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You will evaluate creditworthiness of loan applicants through analysis of financial statements, credit scores, payment history, and other relevant factors.
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You will make informed decisions on loan applications based on the company’s credit policies and risk tolerance.
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You will conduct thorough credit risk analysis to identify potential risks and develop risk mitigation strategies – Credit Assessment and Decision Making
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You will oversee the end-to-end credit operations process, including loan application processing, documentation, and disbursement.
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You will collaborate with internal teams such as Sales, Underwriting, and Collections to ensure smooth and efficient credit operations.
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You will develop and implement credit policies, procedures, and guidelines to enhance efficiency and maintain compliance – Credit Operations Management.
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You will monitor and manage the credit portfolio to identify early warning signs, trends, and potential areas of concern.
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You will perform periodic portfolio analysis to assess the performance of loans, identify patterns, and make recommendations for portfolio optimization.
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You will utilize data and analytics to generate insights and develop strategies for minimizing credit risk and improving portfolio quality – Portfolio Monitoring and Analysis.
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You will stay updated on relevant regulations, guidelines, and industry best practices related to credit and lending.
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You will ensure compliance with regulatory requirements and internal policies in all credit-related activities.
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You will collaborate with the Compliance and Legal teams to address any compliance issues and implement necessary controls – Compliance and Regulatory Adherence.
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You will provide guidance, training, and mentoring to credit team members to enhance their skills and performance.
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You will foster a collaborative and supportive work environment, promoting effective teamwork and knowledge sharing.
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You will conduct performance evaluations, set performance goals, and provide regular feedback to team members – Team Management and Development
