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INSTANT JOB AD
Hire INSTANTLY with AI and get highly relevant candidates in 72 hours
CAREER PAGE
Build your personalized career page with strong company branding to attract candidates and manage your job vacancy.
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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 data and financial statements
- Evaluate creditworthiness of individuals and businesses
- Approve or deny credit applications
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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 data and financial statements
- Evaluate creditworthiness of individuals and businesses
- Approve or deny credit applications
- Develop and maintain relationships with clients
- Monitor payment schedules and ensure compliance with credit terms
- Prepare reports for management
- Assist in the collection of overdue payments
- Stay updated on industry trends and regulations
- Provide excellent customer service
- Adhere to company policies and procedures
Requirement
- Bachelor's degree in Finance or related field
- Minimum of 2 years experience in credit analysis
- Strong analytical skills
- Excellent communication and interpersonal skills
- Ability to work in a fast-paced environment
- Detail-oriented and organized
- Knowledge of financial regulations
- Proficiency in Microsoft Office
- Ability to prioritize and multitask
- Team player
Skills
- Credit analysis
- Financial statement analysis
- Risk assessment
- Customer service
- Communication skills
- Attention to detail
- Time management
- Microsoft Office
- Regulatory compliance
- Teamwork