Credit Officer

We are Hiring !

Position: Credit Officer

JOB ROLE

Requirements:

• Education:
  • Bachelors degree in Finance, Accounting, Business Administration, or related field. A Masters degree or professional certifications (e.g., CFA, FRM) is a plus.
• Experience:
  • Minimum 3-5 years of experience in credit risk management, underwriting, or related roles, preferably within [industry, e.g., banking, finance, or commercial lending].
  • Strong understanding of credit analysis, financial modeling, and risk management principles.
• Skills:
  • Proficiency in financial analysis tools and credit risk assessment software.
  • Strong communication and interpersonal skills, with the ability to explain complex financial information clearly to non-experts.
  • Ability to manage multiple priorities and work effectively under pressure.
  • Sound judgment, attention to detail, and analytical skills.
• Knowledge:
  • In-depth knowledge of credit regulations, industry standards, and risk management frameworks.
  • Familiarity with financial products and credit documentation, including loans, lines of credit, and trade finance.
• Personal Attributes:
  • High level of integrity and professionalism.
  • Proactive, detail-oriented, and solution-focused.
  • Strong decision-making and problem-solving abilities.

Responsibilities:

• Credit Risk Assessment:
  • Evaluate creditworthiness of clients by analyzing financial statements, credit reports, and other relevant data.
  • Assess the potential for credit risk and determine the appropriate credit limits and terms.
  • Make informed recommendations for approvals or denials based on analysis.
• Credit Underwriting:
  • Review and approve loan applications within the set credit policy.
  • Ensure compliance with internal credit policies, regulations, and legal requirements.
  • Structure credit facilities to meet customer needs while mitigating risk.
• Portfolio Management:
  • Monitor the performance of the credit portfolio, ensuring loans are repaid on time and according to terms.
  • Identify early warning signals for potential default and take necessary actions (e.g., restructures, collections, or enforcement).
  • Prepare regular reports on the credit portfolio for senior management.
• Client Relationship Management:
  • Build strong relationships with clients to understand their financial needs and offer tailored solutions.
  • Serve as a point of contact for credit-related inquiries and support to clients.
• Collaboration and Communication:
  • Work closely with sales, relationship managers, and other departments to align credit decisions with overall business strategy.
  • Ensure that credit approvals are communicated clearly and promptly.
• Compliance and Risk Control:
  • Ensure that all credit processes are compliant with regulatory standards, internal controls, and risk management frameworks.
  • Assist in identifying and mitigating risks related to lending activities.
• Reporting and Documentation:
  • Maintain accurate and up-to-date records of credit decisions, loan agreements, and collateral documentation.
  • Prepare and present credit reports and analysis to senior management.

Ready to take your career to new heights? We're InTalent Asia, your go-to recruitment partner in Sri Lanka, and we've got an exciting opportunity for you! Our client looking for a dynamic individual to fill the role of Credit Officer  

At InTalent Asia, we're not just recruiters; we're here to architect your career success. Join us in the journey of matching your skills with unparalleled opportunities. Apply now and see how you can be the perfect fit for this exclusive position!