Role Description
We are seeking analytical and finance-oriented professionals for the positions of Credit Analyst / Credit Officer. These roles focus on credit risk assessment, financial evaluation, lending support, credit portfolio monitoring, and the management of credit-related activities. The ideal candidates should demonstrate strong financial knowledge, numerical abilities, critical thinking, and an understanding of lending principles, credit policies, and risk management practices.
Responsibilities include reviewing credit applications, evaluating financial statements, assessing borrowers' repayment capacity, and analyzing creditworthiness based on financial information and supporting documentation. Professionals will conduct credit risk assessments, review income and cash flow information, evaluate existing financial obligations, and prepare credit evaluation reports to support lending decisions. Additional duties include monitoring credit accounts, identifying potential repayment risks, reviewing credit limits, maintaining accurate customer records, and ensuring that credit assessments comply with internal policies and applicable regulatory requirements. They will also coordinate with relationship managers, banking operations teams, and relevant departments to clarify financial information, resolve documentation issues, and support effective credit management processes.
Qualifications
- * Bachelor's degree in Finance, Accounting, Banking, Economics, Business Administration, or a related discipline.
- Strong understanding of credit analysis, lending procedures, and financial risk management.
- Knowledge of financial statement analysis, cash flow assessment, and credit evaluation.
- Ability to assess borrowers' financial positions and repayment capacity.
- Familiarity with credit reports, loan documentation, and credit monitoring procedures.
- Understanding of banking regulations, credit policies, and internal control requirements.
- Proficiency in Microsoft Excel and financial analysis tools.
- Strong numerical, analytical, and problem-solving abilities.
- Excellent communication, report-writing, and documentation skills.
- High attention to detail, professional integrity, and sound financial judgment.
