Job Purpose

The Retail Mortgage Credit Analyst is responsible for assessing and evaluating mortgage loan applications from individual customers to determine creditworthiness and repayment capacity. The role involves analysing financial and non‑financial information, conducting risk assessments, ensuring compliance with the bank's credit policies and regulatory requirements, and making sound credit recommendations to support profitable and prudent mortgage lending.

Principal Accountabilities

• Review and analyze mortgage loan applications for salaried and self‑employed customers.
• Assess customers' income, employment stability, debt burden, affordability, and repayment capacity.
• Calculate Debt Burden Ratio (DBR), Loan‑to‑Value (LTV), and other key credit metrics.
• Verify customer information through supporting documents, credit bureau reports, bank statements, and employer checks.
• Analyze financial statements an...