Assess credit applications and evaluate the creditworthiness of individuals or businesses based on financial information, credit history, and internal risk criteria.
Conduct financial and credit analysis to identify potential risks, weaknesses, and mitigating factors.
Review customer financial statements, credit reports, bank statements, and supporting documentation.
Assist in preparing credit assessments, risk recommendations, and credit approval memos.
Monitor existing credit exposures, repayment behavior, limits, and risk indicators.
Identify early warning signs of credit deterioration and escalate material risks to senior team members.
Ensure credit decisions and processes comply with internal policies, risk appetite, and applicable regulatory requirements.
Maintain accurate and up-to-date credit records, risk assessments, and documentation.
Support portfolio monitoring and preparation of periodic credit risk reports and analyses.
Assist with credit risk data collection, reporting, and analysis to support management decision-making.
Collaborate with Credit, Finance, Relationship Management, Compliance, and other relevant teams on credit-related matters.
Contribute to improving credit assessment processes, risk controls, and reporting methodologies.
Qualifications
Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
1–3 years of experience in credit risk, credit analysis, banking, financial analysis, or a related field.
Good understanding of financial statements, credit analysis, and basic financial concepts.
Strong analytical and numerical skills with attention to detail.
Ability to assess financial information and identify credit risks and trends.
Good knowledge of Microsoft Excel and Microsoft Office applications.
Strong written and verbal communication skills.
Ability to organize and prioritize multiple tasks while meeting deadlines.
High level of integrity, accuracy, and professional judgment.
Ability to work effectively both independently and as part of a team.
Familiarity with credit policies, risk assessment frameworks, or banking regulations is an advantage.
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