Credit Underwriting & Analysis Specialist

Quick Overview Our client is seeking a Credit Underwriting & Analysis Specialist to evaluate credit applications, manage credit operations, and monitor portfolio performance. This role is responsible for assessing the creditworthiness of SME and corporate customers, making underwriting recommendations, supporting credit operations, and ensuring compliance with internal credit policies. The ideal candidate has experience in credit analysis, lending, trade finance, or financial services.

Key Responsibilities Credit Underwriting & Analysis Assess customer and supplier credit applications in accordance with established credit policies. Review financial statements, bank statements, trade references, and other supporting documentation. Analyze payment behavior, industry trends, business models, and operational risks.

Obtain and review reports from credit bureaus and external rating agencies. Recommend appropriate credit limits, payment terms, and credit conditions. Credit Operations Manage the onboarding process for approved customers.

Coordinate with internal teams for account setup, credit limit activation, and disbursement readiness. Monitor credit utilization and ensure compliance with approved terms. Process credit limit increases, renewals, temporary limit requests, and amendments.

Maintain accurate customer records within the credit management system. Portfolio Monitoring Conduct periodic credit reviews to assess changes in customer financial health and risk. Monitor overdue accounts and early warning indicators.

Recommend adjustments to credit limits or payment terms when appropriate. Support portfolio quality reviews and concentration risk assessments. Reporting & Compliance Prepare reports on credit approvals, utilization, portfolio performance, and exceptions.

Monitor operational KPIs such as turnaround times and approval volumes. Support internal and external audits by providing required documentation. Contribute to the continuous improvement of credit policies, procedures, and controls.

Requirements Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. Professional certifications such as CFA, FRM, CPA, ACCA, or Credit Management are an advantage. 3 to 7 years of experience in: Credit Analysis Credit Operations Trade Finance Invoice Financing SME Lending Corporate Lending Related financial services Experience evaluating SME and corporate customers. Familiarity with credit bureau reports and financial statement analysis.

Experience using credit management systems, ERP platforms, or CRM solutions. Technical Skills Strong financial statement analysis and ratio analysis skills. Knowledge of credit underwriting and portfolio management.

Understanding of trade finance and working capital products. Advanced Microsoft Excel skills. Experience with platforms such as Zoho, SAP, Oracle, E Commerce platforms, or other credit workflow systems is an advantage.

Ability to interpret legal and operational documentation related to credit facilities. Preferred Industry Background Experience in one or more of the following industries is preferred: Invoice Financing Factoring SME Lending Corporate Lending Trade Finance Supply Chain Finance Fintech Lending Banking Non-Banking Financial Institutions (NBFIs) Pro5.ai is a global platform helping thousands of vetted professionals get hired by top employers. See what others say on our public Google Reviews and learn how we keep your data safe in our Trust Center .