Credit Risk Analyst

PalmPay

Remote

The Credit Risk Analyst will be responsible for reviewing and analyzing SME loan applications to deliver accurate credit decisions in line with established credit policies and underwriting standards. The ideal candidate must possess strong analytical skills and prior experience in loan assessment and risk evaluation.

The role will involve analyzing loan applications, identifying potential credit risks, monitoring portfolio performance, and supporting the business in making sound lending decisions while maintaining a balance between business growth and portfolio quality.

Key Responsibilities

Review and analyze 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 Risk Team on loan-related issues
Ensure accuracy and completeness of loan documentation
Maintain proper records and support process improvement initiatives

Requirements

Minimum of 3 years experience in loan underwriting, credit analysis, or related role
Prior experience performing similar functions is required
Experience in the banking or financial services industry is an added advantage
Excellent communication, documentation and reporting skills
Great knowledge of risk control and a good sense of industry research

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