Credit Risk Analyst - SME Loans

About the role

PalmPay is looking for a Credit Risk Analyst to review and analyse SME loan applications and deliver accurate credit decisions in line with established credit policies and underwriting standards. The role involves analysing applications, identifying potential credit risks, monitoring portfolio performance and supporting sound lending decisions that balance business growth with portfolio quality.

Key responsibilities

• Review and analyse loan applications and supporting documents
• Assess borrowers' creditworthiness and repayment capacity
• Make recommendations in line with credit policy and underwriting standards
• Liaise with Field Verification Officers and the Risk Team on loan-related issues
• Ensure accuracy and completeness of loan documentation
• Maintain proper records and support process improvement initiatives

Required profile

• Minimum of 3 years of experience in loan underwriting, credit analysis or a related role
• Prior experience performing similar functions is required
• Experience in the banking or financial services industry is an added advantage

Required skills

• Excellent communication, documentation and reporting skills
• Great knowledge of risk control and a good sense of industry research