Responsibilities

Assess creditworthiness of potential clients by analyzing financial data, credit reports, and other relevant information.
Evaluate credit risk, establish credit limits, and make recommendations based on risk assessment.
Manage the loan application process, including gathering necessary documentation, verifying information, and ensuring compliance with regulations.
Work closely with clients to explain credit terms, negotiate agreements, and finalize loan terms.
Monitor credit portfolio to identify potential risks and take proactive measures to mitigate those risks.
Implement credit policies and procedures to ensure compliance with regulations and minimize credit losses.
Prepare and maintain accurate records, reports, and documentation related to credit assessments and loan applications.
Provide regular reports to management regarding credit portfolio performance and risk exposure.
Identify and pursue new business opportunities through prospecting, networking, and relationship building.
Develop and maintain relationships with potential clients, understanding their financial needs, and offering suitable credit solutions.

Requirements

Bachelor's Degree in Business Administration, Finance, Economics, or related field. A Master’s degree or relevant certifications (e.g., Certified Credit Professional) is a plus.
Proven experience in business development and credit analysis within the financial industry.
Strong understanding of financial statements, credit risk assessment, and lending practices.
Excellent analytical skills with the ability to interpret complex financial data.
Knowledge of regulatory requirements and compliance standards in lending.
Exceptional communication and interpersonal skills for client interactions and negotiations.
Proficiency in financial software and tools used for credit analysis and risk assessment.

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