CREDIT OFFICER

KEY RESPONSIBILITIES

• Evaluate loan and credit applications from individuals and businesses.
• Analyze financial statements, bank statements, and other supporting documents.
• Conduct credit risk assessments and prepare detailed credit appraisal reports.
• Verify customer information through field visits, reference checks, and credit bureau reports.
• Recommend approval, decline, or modification of credit facilities based on risk analysis.
• Monitor existing loan portfolios to identify early warning signs of default.
• Ensure all lending activities comply with internal policies and regulatory standards.
• Maintain accurate customer and credit records.
• Collaborate with relationship officers and collections teams to support portfolio quality.
• Prepare periodic reports on credit performance and portfolio risk.

REQUIREMENTS

• Bachelor’s degree in Finance, Accounting, Economics, Banking, or a related field.
• 1-3 years of experience in credit analysis, lending, or banking.
• Strong financial analysis and credit assessment skills.
• Knowledge of lending regulations and risk management principles.
• Excellent analytical and problem-solving abilities.
• High attention to detail and accuracy.
• Strong communication and report-writing skills.
• Proficiency in Microsoft Excel and core banking/loan management systems.