Credit Analyst

Description:

As a Credit Analyst, you will play a pivotal role in the end-to-end loan processing cycle. From gathering and validating client documents to assessing borrowing capacity and preparing loan submissions, your work will directly support our mission to provide ethical and accessible home financing. You will report to the Operations Head and ensure that all processes align with both regulatory standards and Islamic finance principles.

Key Responsibilities

🔹 Collect financial and personal data from clients for home loan applications

🔹 Verify documents such as income statements, credit reports, and financial records

🔹 Check lender credit policies and ensure Shariah compliance

🔹 Analyze financial data to determine clients’ borrowing capacity

🔹 Prepare complete loan applications for submission to lenders

🔹 Liaise with lenders to address queries and expedite approvals

🔹 Ensure compliance with both regulatory and Shariah guidelines

🔹 Communicate with clients and internal teams to provide updates

🔹 Recommend process improvements for efficiency and accuracy

Qualifications & Skills

✅ Bachelor’s in Finance, Accounting, Economics, or a related field (Islamic Finance certifications a plus)

✅ Fresh graduates are welcome; prior experience is advantageous

✅ Strong attention to detail and accuracy

✅ Solid analytical and communication skills (written and verbal English)

✅ Proficient in Excel, financial tools, and document management systems