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Credit Officer Job Description
A Credit Officer evaluates credit applications and determines loan availability based on credit analysis and financial assessments. They work to ensure that lending practices comply with relevant laws and regulations. This role is critical for maintaining the integrity of the organization’s lending processes.
Use this Credit Officer job description template to find qualified candidates to manage credit evaluations and lending processes within your institution. Tailor the specifics to meet your organization's requirements.
Credit Officer Responsibilities Include:
- Analyze credit applications and assess creditworthiness of customers
- Review and approve credit limits for customers
- Monitor and manage customer accounts to ensure timely payments
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Job Brief
We are looking for a detail-oriented Credit Officer to assess credit applications and determine acceptable risk levels. In this position, you will analyze financial statements, credit history, and other relevant information to make informed lending decisions.
You will work closely with clients to provide information on credit policies and assist in the application process. Your expertise will help maintain compliance with regulatory standards while ensuring customer satisfaction.
The ideal candidate should have a strong background in finance or banking, excellent analytical skills, and a commitment to customer service. This role presents an opportunity to contribute to the growth and sustainability of our lending operations.
Responsibilities
- Analyze credit applications and assess creditworthiness of customers
- Review and approve credit limits for customers
- Monitor and manage customer accounts to ensure timely payments
- Investigate and resolve customer credit issues
- Communicate with customers to discuss credit terms and payment options
- Prepare reports on credit analysis and account status
- Ensure compliance with company credit policies and procedures
- Collaborate with other departments to address credit-related issues
- Provide support and guidance to junior credit officers
- Stay updated on industry trends and best practices in credit management
Requirement
- Bachelor's degree in Finance or related field
- Minimum of 2 years experience in credit analysis or related field
- Strong analytical skills
- Excellent communication and interpersonal abilities
- Knowledge of financial regulations
- Attention to detail
- Ability to work independently and as part of a team
- Proficiency in Microsoft Office Suite
- Ability to multitask and prioritize work
- Fluency in English and Malay
Skills
- Credit analysis
- Financial risk assessment
- Customer service
- Regulatory compliance
- Problem-solving
- Decision-making
- Attention to detail
- Communication skills
- Time management
- Teamwork