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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:
- Review and analyze credit applications
- Assess creditworthiness and make recommendations
- Monitor customer accounts and payment history
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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
- Review and analyze credit applications
- Assess creditworthiness and make recommendations
- Monitor customer accounts and payment history
- Negotiate payment terms and conditions
- Follow up on overdue accounts
- Maintain accurate records of credit transactions
- Communicate with customers to resolve issues
- Collaborate with sales and finance teams
- Stay up-to-date on industry trends and regulations
- Provide reports to management on credit performance
Requirement
- Bachelor's degree in Finance or related field
- Minimum of 2 years experience in credit analysis
- Strong analytical and problem-solving skills
- Excellent communication and negotiation abilities
- Knowledge of financial regulations
- Ability to work independently and as part of a team
- Attention to detail and accuracy
- Proficiency in Microsoft Office suite
- Ability to prioritize and manage time effectively
- Professional certification (e.g. CFA) is a plus
Skills
- Credit analysis
- Financial regulations
- Communication
- Negotiation
- Problem-solving
- Microsoft Office
- Time management
- Attention to detail
- Teamwork
- Analytical skills