Business Credit Analyst

Ranko helps businesses find financing, receive offers from various banks, and select suitable terms for them. At this stage, we are expanding our business loan direction and are looking for an experienced Business Credit Analyst who will guide the client from the application to the receipt of financing.

What we offer

• A fully remote work format.
• A fixed monthly salary of 3,000 GEL and a bonus based on the loans issued.
• A result-dependent total income of 5,000-7,000 GEL.

What you will do

• Based on incoming leads, you will contact business clients, find out their financing needs, and collect necessary information.
• Process applications and assess the financial condition of the business, including income, expenses, liabilities, and cash flows.
• Prepare a complete package of applications and financial analysis for submission to the bank's credit committee.
• Communicate with banks, answer their questions, and provide additional information if necessary.
• Receive credit decisions and offers from banks, explain the terms to clients, and help them make a choice.
• Support clients throughout the entire process - from application to loan disbursement.
• Provide recommendations for improving platform processes.

What we require

• At least 5 years of work experience as a business loan analyst or in business credit analysis, including experience in trade, production, and construction - this is a prerequisite.
• Ability to independently assess financial statements, cash flows, and business solvency.
• Good knowledge of Excel and the ability to understand and briefly convey financial information.
• Good communication skills, sense of responsibility, and experience working with multiple applications simultaneously.
• Preference will be given to those with experience in credit analysis for small and medium-sized businesses (not micro-businesses) in a bank.

Please indicate "Business Credit Analyst" in the subject line of the letter.