ތަފްސީލް

މުސާރައާއި އިނާޔަތްތައް

ރުފިޔާ 15,300 - ރުފިޔާ 16,400

ވަޒީފާގެ ތަފްސީލް

TERMS OF REFERENCE (TOR)
Post: Credit Analyst
No of Vacancies: 01                    
Post Type: Full time
Department: Credit Department
Reporting to: Manager-Credit Evaluation.
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.
• Involve in establishing new procedures and assessing gaps in policies and procedures and
recommending improvements from time to time.
• Monitoring financial regulations set by MMA that are relevant to the Corporation and suggest
appropriate actions to the Management.
• Participation in internal meetings for 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 on ad hoc requests as required by the Management.
Requirements and Qualifications:
• MQA level 5 or 6 qualifications of Business/ Economics /Finance/Banking with Minimum 02-
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 the processing of 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 between MVR 15,300 – MVR 16,400 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/job-application-form-credit-analyst95  before 09th June 2024, 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 careers@sdfc.mv

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