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.
  

• 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