CONSUMER CREDIT ANALYST BVI

Job description

Consumer Credit Analyst







Job Summary



The Consumer Credit Analyst reviews and evaluates Auto and Personal potential client applications to determine their creditworthiness, assuring the fulfilling of all established credit policies and parameters.

He/She coordinates the collection of documentation, performing the initial review and analysis of financial data, making recommendations to the Credit Manager for approval or declination.





Essential Responsibilities

+ Receives and collects all required documentation from clients to support application requests, evaluating and analyzing information against established and defined policies and parameters in order to affect the recommendation of action – approval or declination.

+ Collects information, including credit verifications, from other sources such as banks and credit agencies to complete Consumer Loan Worksheet to aid in decisioning of applications by the Credit Manager.

+ Effects the sales process by interviewing clients to understand their financial or business needs offering recommendations from the bank’s product line.

+ Coordinates with branch personnel to affect the loan closings and bookings.

+ Reviews documentation ensuring adherence to quality standards, actively participating in the gathering, presentation and justification of documentation for quality reviews and or audits.

Participates in the development and implementation of action plans to address adverse findings of reviews and audits.

+ Participates in and successfully passes, at regular intervals, the mandatory training in accordance with BVI Anti-Money Laundering rules, laws, and regulations and such other applicable rules and regulations having regards to the level and nature of risk posed by the bank’s banking business in the Territory.

+ Performs such other duties as are assigned to you by the Supervisor.









Independence of Judgment

+ The degree of judgement is related to identification of clearly defined and repetitive problems having detailed policies, procedures and technical aids and other resources to assist with resolutions.









Supervisory Responsibilities



This position has no supervisory responsibilities.





Impact of Errors



The impact of errors of this position could affect essential activities of administrative, operational or business nature that have a considerable economic impact.





Competencies





+ Anticipates and provides service excellence to both internal and external customers



+ Establishes, sustains and fosters both internal and professional contacts to build, enhance, and connect to FirstBank services



+ Delivers clear, effective communication and takes responsibility for understanding others.





+ Understands how the organization works, including, current and future policies, practices and trends



+ Identifies problems and conducts appropriate analyses involving others to searches for best solutions



+ Takes initiative and assumes personal accountability for goals, outcomes and deadlines



+ The employee understands organization’s vision and upholds the organizations values in everyday words and actions.





+ At higher levels the employee takes a long-term view and share with others the vision and the organization path ahead.





+ Provides direction and leadership to help teams achieve goals and operate cooperatively and cohesively



+ Demonstrate curiosity for learning and perform activities to make the most of their skills and boost potential in self and others



+ Creates a view of change as an opportunity and inspires others



+ Looks for new ways to experiment with new ideas and approaches





Physical Demands



The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear.

The employee is occasionally required to stand and walk with little or no physical demand.







Minimum Requirements



A Bachelor’s Degree in Business Administration is required for this job or a minimum of zero to one year of relevant experience in in Business or similar environment and one to two years Bachelor Degree in other related field of study.













EQUAL EMPLOYMENT OPPORTUNITY EMPLOYER

Required Skill Profession

Other General