Key Responsibilities
Credit Assessment: Analyze financial statements, credit reports, and tax returns to calculate risk ratios.
Risk Management: Approve or reject loan requests based on creditworthiness, adhering to company policies and legal regulations.
Portfolio Monitoring: Regularly review existing credit accounts to identify potential delinquencies or deteriorating credit quality.
Collection & Compliance: Monitor accounts receivable, contact clients regarding overdue payments, and ensure compliance with regulatory standards.
Documentation: Prepare detailed credit analysis memos and maintain accurate records of loan applications.
Required Skills & Qualifications
Analytical Skills: High proficiency in financial analysis, Ratio Analysis, and Spreadsheets.
Education: Bachelors degree in finance, economics, accounting, or a related field.
Experience: Proven experience in credit analysis, lending, or banking.
Knowledge: Familiarity with credit scoring software, loan management systems, and legal regulations