Credit Analyst – Asset Finance at HF Group

Principle Accountabilities

Credit Analysis and Appraisal

• Conduct detailed financial analysis and due diligence for Asset Finance applications across business segments.
• Evaluate applicants’ repayment capacity through analysis of financial statements, bank statements, and cash flow forecasts.
• Assess creditworthiness by reviewing client profiles, business models, and sector performance.
• Verify asset details, supplier quotations, insurance documents, and valuation reports for completeness and validity.
• Prepare comprehensive credit analysis reports and recommendations for approval or escalation to appropriate authority levels.

Risk Assessment and Structuring

• Identify key risks and propose appropriate mitigants in line with Bank policy and risk appetite.
• Support structuring of Asset Finance facilities to achieve a balance between profitability, risk, and customer requirements.
• Review and confirm that proposed securities and documentation adequately protect the Bank’s interests.
• Ensure credit proposals comply with product program parameters, pricing guidelines, and lending conditions.

Processing and Coordination

• Liaise with Relationship Managers, Credit Origination Officers, and Credit Administration teams to ensure seamless end-to-end processing of Asset Finance applications.
• Review credit submissions for completeness before approval or disbursement.
• Ensure timely communication of approval conditions and monitor fulfillment prior to drawdown.

Portfolio Monitoring and Performance

• Monitor the performance of approved Asset Finance accounts to identify early warning signals.
• Participate in portfolio reviews and trend analysis to highlight emerging credit risks or opportunities.
• Provide data and insights to support periodic risk and business performance reports.

Compliance and Governance

• Ensure all credit assessments comply with internal policies, procedures, and regulatory requirements.
• Maintain high-quality credit documentation and accurate records for audit and compliance purposes.
• Adhere to ethical credit practices and maintain confidentiality of customer and institutional information.

Key Competencies and Skills

Technical Skills

• Excellent financial analysis and interpretation skills.
• Strong understanding of credit risk principles and regulatory requirements.
• Proficiency in financial modeling and report writing.
• Good judgment and attention to detail.
• Strong interpersonal and communication skills.
• Ability to work collaboratively under tight deadlines.
• Proficiency in MS Office and credit management systems.

Behavioral Attributes

• Integrity and sound judgment.
• Analytical and objective mindset.
• Accountability and commitment to results.
• Commercial awareness and customer focus.
• Team-oriented and proactive approach.
• Continuous improvement and learning attitude.

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related field.
• Professional qualifications such as CPA, ACCA, CCP, or Credit Management Certification are an added advantage.
• Minimum of 3–5 years’ experience in credit analysis, risk management, or lending within a financial institution.
• Strong understanding of Asset Finance and Insurance Premium Financing (IPF) products, collateral valuation, and documentation processes.
• Familiarity with credit scoring models and financial analysis systems.