Description
Credit Assessment & Analysis
- Review and assess loan applications, supporting documents, and borrower information.
- Analyze applicants' income, financial position, cash flows, repayment capacity, and credit history.
- Evaluate the creditworthiness of individuals, businesses, and prospective borrowers.
- Identify potential credit risks, inconsistencies, and warning indicators during the assessment process.
Credit Recommendation
- Prepare clear and well-supported credit appraisal reports and recommendations.
- Recommend loan approvals, modifications, or declines based on established lending criteria.
- Ensure credit recommendations are supported by appropriate financial and risk analysis.
- Escalate complex or high-risk applications to the appropriate approval authority.
Portfolio & Credit Monitoring
- Monitor existing loan accounts to identify early signs of repayment or credit deterioration.
- Review borrower performance and repayment patterns.
- Support the identification and management of delinquent or potentially problematic accounts.
- Provide relevant credit information to support portfolio quality monitoring.
Documentation & Compliance
- Ensure credit files contain complete and accurate documentation before approval and disbursement.
- Verify compliance with internal credit policies, lending limits, and approval procedures.
- Maintain accurate records of credit assessments and recommendations.
- Support internal and regulatory reviews by providing required credit documentation and information.
Requirements
Education
Bachelor's Degree in:
- Finance, Accounting, Economics, Banking and Finance, Business Administration, A related discipline
- Relevant professional qualifications or certifications in credit, banking, risk management, or financial analysis will be an added advantage.
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