CREDIT ANALYST

About the role

This role involves verifying the authenticity of documents, assessing consumer data, evaluating credit risk, and preventing potential fraud. You will analyze the relationship between monthly income and requested installment amounts, and determine whether applications should be approved, rejected, or require additional down payment.

Key responsibilities

• Examine document authenticity to ensure no forgery
• Verify consumer data, assess credit risk, and prevent potential fraud (identity/data falsification)
• Analyze comparison of monthly income with requested installment amounts
• Determine whether applications are approved, rejected, or require additional down payment
• Read and analyze salary slips and bank statements to verify document authenticity
• Calculate credit ratios to ensure customers can afford installment payments
• Identify potential document forgery and data inconsistencies
• Make decisions to Approve, Reject, or Hold credit applications within a short timeframe

About you

• Minimum D3 or S1 education in Accounting, Financial Management, Economics, or Banking
• Minimum 2 years of experience as an Auditor or Credit Analyst in Banking or Multifinance institutions
• Ability to read and analyze salary slips and bank account statements and verify document authenticity
• Ability to calculate credit ratios to ensure customers can afford installment payments
• Attention to detail in identifying potential document forgery and data inconsistencies
• Ability to make Approve, Reject, or Hold decisions on credit applications quickly