Analyst

Assessed loan applications for SMEs, individuals, and corporate clients, ensuring compliance with internal risk policies and creditworthiness standards. Conducted risk analysis on borrowers using financial statements, credit scores, and industry data to inform lending decisions. Monitored loan portfolio performance and flagged early warning signals to mitigate default risk. Collaborated with the collections team to analyze repayment trends and suggest targeted recovery strategies. Developed and maintained Excel-based tools to track credit exposure, delinquency rates, and portfolio aging. Prepared monthly credit performance reports for senior management and regulatory compliance.