Credit Review Associate

12-14 Years

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Early Applicant

Job Description

Key Responsibilities

Review and assess credit applications, financial statements, and supporting documents for completeness and accuracy.
Analyze applicants creditworthiness based on financial history, income, collateral, and risk factors.
Ensure compliance with company credit policies, regulatory requirements, and lending procedures.
Identify potential risks and provide recommendations for approval, revision, or decline of credit applications.
Coordinate with sales, loans processing, and other departments to resolve discrepancies or obtain additional information.
Prepare and maintain accurate credit review reports and records.
Monitor approved accounts for early signs of delinquency or non-compliance with terms.
Assist in the development and enhancement of credit review procedures and risk assessment tools.
Support internal and external audits by providing required credit documentation and reports.
Perform other related tasks as assigned.

Key Requirements

Bachelors degree in Finance, Accounting, Business Administration, or related field.
At least 12 years of experience in credit analysis, credit review, or related roles (preferably in banking or financing institutions).
Strong analytical and problem-solving skills with keen attention to detail.
Knowledge of credit policies, risk management, and regulatory compliance standards.
Proficiency in MS Office applications (Excel, Word, PowerPoint).
Strong written and verbal communication skills.
Ability to manage multiple applications and meet turnaround times efficiently.
High level of integrity and confidentiality in handling financial information.