Retail Credit Analyst

Job Purpose 

•Analyze & Process Credit proposals and applications of Bank Auto Loans, Credit Cards, 

Personal loans for approval or escalation to credit supervisors within stipulated TAT. 

•Regulate all approvals within the credit policy & product features. 

•Ensure consistent application of credit policy, quality of underwriting decision & documents held as 

collateral.  

•Ensure credit applications are processed within the approved lending parameters and within deviation 

caps approved by RCPC. 

•Ensure the standard Operating Procedures for credit underwriting, verification, documentation, 

delegation is complied with & detailed exception & regularly reported to management. 

•Communicate major deficiencies & policy violations to credit supervisor for follow up with 

recommending additions & modifications to credit policy, product manual & Operational procedures. 

•Alertness in detecting fraud application & ensure that good quality of credit applications are processed. 

•Ensure daily productivity targets are met 

•Ensure quality service to Internal & External customers by adhering to the committed turnaround time. 

•Matching all the received applications against Egy Sys, Credit Initiation system, Vision plus, fraud date 

base and SFA to verify any duplicates/fraudulent cases and company coding. 

•Checking I score report/CBE Negative list to check credit history and DSR calculations 

•Verifying all the documentations along with their related data to confirm that they are complying with 

the set RCPC. 

•Checking minimum accepted criteria as per PPG such as income, profession, years in business, home 

location and DSR calculation by fulfilling evaluating checklist. 

•Forwarding the cases for further external verification (home/business) as per set policy. 

•Conducting contact point verification (CPV) with customer, STL/HR checks with employer, residence 

verification and mobile. 

•Updating the decisions of the cases on the appropriate systems 

•Data entry by creating full set up CIS incase of new customers. 

•Archiving rejected/cancelled cases on monthly basis.  

•Interact on daily basis with AFO, CSO, SSO, Team leaders, Credit Investigators &Compliance