ތަފްޞީލު

މުސާރައާއި އިނާޔަތްތައް

14,500 ރުފިޔާ - 20,500 ރުފިޔާ

ވަޒީފާގެ ތަފްޞީލު

Post: Credit Analyst (Senior Officer/Officer)
No of Vacancies: 04 
Post Type: Full time
Department: Credit Department
Reporting to: Head of Credit
Key tasks, responsibilities and deliverables
 Identify potential SME businesses and assess the creditworthiness of a small or medium sized
business with emphasis on the capacity to borrow, repayment capability, financial ratio
analysis, the profile of the business, and available securities
 Evaluating the commercial feasibility of SME loan proposals by analyzing the business model
identifying strengths, weaknesses, risks, understanding the revenue models, management
capability, and the corporate structure of the businesses
 Conducting visits to customers to have a better understanding of the business cycle, judge the
feasibility of the proposed transaction, and verify the business viability before finalizing the
proposal
 Placing a credit decision to the appropriate approval authority after a thorough credit
analysis of the loan application
 Perform periodic review and evaluation of existing customers based on the qualitative and
quantitative framework and recommend appropriate actions to the management
 Follow-up with delinquent customers
 Co-ordinate with Recovery and legal staff in the recovery of high-risk and problematic loans
Monitoring of asset portfolio to generate early warning signals, potential areas to focus on
and recommend pro-active measures to the management
 Ensuring that Corporation’s policies and procedures are followed in credit underwriting and
approval, verification, and any exceptions are regularly reported to the management
 Involved in establishing new procedures and assessing gaps in policies and procedures and
recommending improvements from time to time
 Participation in internal meetings to review and determine areas for process improvements
 Conducting research on a continuous basis on major industries and using external data to
develop benchmarks for comparing the performance and capacity of SME businesses
 Generate and update various portfolio-related MIS for the Management
 Advise the Management in formulating criteria for new products and involve in the
development of new products
 Liaison with other departments for the achievement of common goals of the Corporation
 Provide support for ad hoc requests as required by the Management
Requirements and Qualifications
 MQA level 7 or 8 qualification of Business/Economics/Finance/Banking
MQA level 5 or 6 qualifications of Business/ Economics /Finance/Banking with Minimum 01
year experience in relevant field
Other Competencies required
 Strong analytical, problem-solving, and decision-making skills with the ability to adapt to
change
 In-depth knowledge of the local business environment and supply chain
 Excellent interpersonal and communication skills
 Excellent computer skills including processing word documents, spreadsheets, and
databases. 
 Familiarity with trade, economic development, and development of the private sector in the
Maldives
 Experience in the banking or financial services industry would be an added advantage
Remuneration package
Gross pay is between MVR 14,500 – MVR 20,500 depending on the Qualification and
Experience
Working Hours
 The selected applicant will be required to work from 0800 to 1600 on weekdays
Documents required with the job application
 Complete and up-to-date Curriculum Vitae (CV)
 Copy of National Identity Card
 Copies of academic certificates with transcripts
 All international certificates must be accredited by MQA
 Reference letters from current/ previous employers certifying type of employment, job roles
and service period
Recommendation letters from previous supervisors or employers (optional)
How to Apply
 Required documents should be submitted using the link: https://sdfcmv.aidaform.com/jobapplication-form-credit-analyst-officer-senior-officer before 14th November 2023
14:00hours
Important notes to applicants
 Incomplete applications will be rejected without further notice
 Applications should be submitted only via the given link, applications received via email will
be rejected
 Only short-listed candidates will be notified for an interview
For inquiries, please contact us on weekdays between 9:00 am to 14:00 pm via phone 3026016 
3026018 or email to [email protected]

ފެންވަރު ނުވަތަ ޝަރުތު

ތަޖުރިބާގެ އެންމެ ދަށް މިންވަރު

ބަޔާންކޮށްފައި ނެތް