Credit Analyst Intern at Incredo Finance

At Incredo, a Credit Analyst Intern should combine analytical thinking, financial knowledge, and attention to detail to help assess the creditworthiness of clients and support lending decisions.

Some of the core essential qualities include:

Analytical Skills

• Ability to interpret financial statements, cash flow data, and credit reports.
• Critical thinking when evaluating client risk profiles.
• Comfortable with numbers, ratios, and data comparisons.

Financial & Business Knowledge

• Basic understanding of lending principles, credit risk assessment, and loan products.
• Awareness of industry-specific risks (e.g., SME lending, asset finance, agriculture loans).
• Familiarity with credit scoring and risk grading methods.

Attention to Detail

• Accuracy when reviewing applications and documents.
• Identifying missing or inconsistent information in client records.
• Thoroughness in report writing and data entry.

Communication Skills

• Can explain credit decisions clearly to supervisors or colleagues.
• Able to ask clients the right follow-up questions for missing details.
• Good written skills for preparing summaries and reports.

Integrity & Confidentiality

• Maintains strict confidentiality with client data.
• Demonstrates honesty and professionalism in all dealings.
• Avoids bias in assessments and follows policy guidelines.

 Problem-Solving Mindset

• Can identify ways to reduce risk while enabling viable loans.
• Suggests alternatives or mitigations for borderline applications.
• Uses logical reasoning to support recommendations.

Learning & Adaptability

• Willing to learn financial analysis tools and credit systems.
• Keeps up with company policies, regulations, and market trends.
• Adapts to different lending scenarios or client profiles.

ROLE OVERVIEW

For Incredo Finance, a Credit Analyst Intern could:

• Assist in reviewing loan applications and verifying documents.
• Support in preparing credit appraisal reports.
• Learn the process of risk assessment for different loan types (Boresha Kilimo, SME loans, logbook loans).
• Help improve turnaround time for loan approvals