Credit Risk Specialist
3 days ago
Job Title: Credit Manager
Job Overview:
The Credit Manager plays a pivotal role in determining the eligibility of borrowers for financing and ensuring that the requested credit POS Loan facility aligns with the bank's risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
Key Responsibilities:
- Conduct in-depth credit analysis and assessment of POS credit applications to determine eligibility.
- Review and prepare credit memos with customer details, and initiate field visits for eligible customers.
- Recommend and prepare loan proposals in compliance with bank policies and procedures.
- Ensure adherence to departmental policies, standard operating procedures, and practices.
- Exhibit consistency with the organization's values and ethics.
- Contribute to the continuous improvement and sustainability of systems, processes, and methods.
Job Context:
- Analyze client financial statements, investigate credit history, and verify financial data to meet bank lending standards.
- Possess in-depth knowledge of financials, including verifying figures, cash flow data, and income statements.
- Ensure completeness and correctness of documentation to prevent fraud.
- Analyze loan-related financial ratios to ensure error-free underwriting and compliance with bank policy.
- Review and analyze restructure requests, and recommend restructuring in line with bank policy.
- Process loan applications and service requests efficiently and within agreed timelines.
- Verify checks through various FAB application systems and external systems.
Qualifications:
- Minimum education: Bachelor's degree in Finance, Banking, or Commerce.
- Minimum 10 years of experience in credit and/or banking.
Job Context:
The successful Credit Manager will possess excellent analytical and communication skills, with the ability to work under pressure and maintain high standards of quality.
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