Credit Analyst (5 positions)

We are a leading Sydney-based home financing brokerage, specializing in Shariah-compliant financial solutions for the Australian Muslim community. As we expand our offshore operations in Lahore, we are seeking a detail-oriented and skilled Credit Analyst to join our team and support our growing client base.

Role Overview

The Credit Analyst will play a critical role in the home financing process, focusing on credit assessment, document validation, and application preparation. Reporting to the Operations Head, this role involves gathering and verifying necessary client documentation, assessing borrowing capacity, checking lender policies, and preparing loan applications for submission. You will also liaise with lenders to resolve inquiries and ensure a smooth application process. The Credit Analyst will ensure all processes align with both conventional and Islamic finance principles, maintaining compliance and a high standard of client service.

Key Responsibilities

• Information Collection: Collect all relevant financial and personal information from clients for home financing applications.
• Document Verification & Validation: Review and validate documentation such as income statements, credit reports, and financial statements to ensure accuracy and completeness.
• Lender Policy Checking: Review and ensure alignment with lenders' credit policies and Shariah-compliant requirements.
• Borrowing Capacity Assessment: Analyze financial data to calculate clients' borrowing capacity, ensuring loan affordability.
• Loan Application Preparation: Prepare complete loan applications, ensuring all required documents and information are in place for submission to lenders.
• Liaison with Lenders: Communicate with lenders to clarify any queries or provide additional information needed to process applications.
• Compliance: Ensure all credit assessments and loan applications comply with regulatory guidelines and Shariah-compliant finance standards.
• Client Communication: Act as a liaison between clients and internal teams, providing updates on the loan application process and responding to client inquiries.
• Process Improvement: Suggest and implement improvements to streamline the document collection, verification, and loan application process.
  
  

Qualification And Experience

• ACCA Affiliate / bachelor’s degree in finance, Accounting, Economics, or a related field. Additional certifications in Islamic Finance or Credit Management are advantageous.
• Experience: We welcome fresh graduates, but prior experience is appreciated
• Attention to Detail: Strong attention to detail, particularly in document verification and data validation.
• Analytical Skills: Proficiency in analyzing financial data, performing borrowing capacity assessments, and preparing credit recommendations.
• Communication Skills: Strong verbal and written communication skills in English, with the ability to liaise effectively with lenders and explain credit decisions to clients.
• Technology Proficiency: Proficiency in financial analysis tools, document management systems, and Microsoft Excel.
  
  

Salary & Benefits

• Salary Range:
• Probation Period (First 3 Months): PKR 70,000 per month
• Post-Probation (Upon Successful Completion): PKR 120,000 per month
• Performance Bonus: Discretionary based on performance KPIs
• Additional Benefits: Health Insurance
• Working Hours: Monday to Friday, from 5:00 AM to 2:00 PM PST.