Key Accountabilities/Deliverables
Analyze customer financial condition and authorize customer credit lines
Minimize bad debt risk, maximize accounts receivable collections
Reconcile customer statements/billings
Participate in process improvement projects, and support other management directives as prescribed
Credit Officer Job Responsibilities
Primary responsibility is the underwriting and approval of credit transactions
Sourcing for structured financing
Manage Bank requirements and negotiations
Responsible for evaluating financial performance of borrower, and proposing an appropriate risk rating
Responsible for ensuring compliance with portfolio limits, quality and soundness of all credit transactions
Assists in obtaining credit committee approvals; ensuring compliance with Credit Policy; reviewing legal documentation
Other responsibilities include the monitoring of industry developments as well as reviewing the quarterly financial results of these clients
Credits file maintenance in accordance to requirement per credit policy
Monitor the exposure and limits, portfolios & control risk positions; Identifies early client risk/exposure, early detection of volatile industries and markets for assigned portfolio.
Perform credit analysis and credit report write-up on assigned portfoliosactively participate and help implementing the change agenda in Credit Risk
Cultivating and maintaining a good customer relationship with our clients, brokers, agents and as other friendly companies
Market Research on financial products / solutions
Carrying out background research on the clients as well as the clients’ industry
Production analysis and reporting
Make various credit checks
Qualifications for the Credit Officer Job
Bachelor’s degree in business administration, finance or economics
1-3 years prior credit underwriting and analysis experience
Strong attention to detail and strong organizational skills
Strong technical and analytical skills
Thorough knowledge of financial statements, accounting principles, credit policies, applicable laws and industry data sources
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