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Asset & Resource Management Holding Company (ARM HoldCo)
Financial Services
Description
Requirements
- Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment.
- Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance, delinquency trends, and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
Responsibilities
- Conduct credit appraisal for retail, micro, and SME loan applications, including income verification, cash flow analysis, and affordability assessment.
- Evaluate borrowers’ creditworthiness using financial and non-financial information (bank statements, business turnover, credit bureau reports, etc.).
- Prepare detailed credit memos with clear risk analysis and recommendations for approval or rejection.
- Support high-volume loan processing while maintaining accuracy and turnaround time (TAT).
- Ensure all credit decisions align with the bank’s risk appetite, credit policies, and regulatory requirements.
- Monitor approved loans and flag early warning signals for potential default.
- Work closely with Business Development and Collections teams to ensure proper loan booking and recovery tracking.
- Review loan documentation to ensure completeness and compliance before disbursement.
- Track and report on portfolio performance, delinquency trends, and risk exposures.
- Support credit policy reviews and continuous improvement of lending processes.
- Address client inquiries and provide financial advisory support.
- Support management in strategic decision-making.
- Identify potential risks (industry, market, operational, and borrower-specific risks) and assign a risk rating or credit score to guide decision-making
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