Credit Officer

Job Summary:We are seeking a detail-oriented and analytical Credit Officer to assess the creditworthiness of applicants, manage loan portfolios, and ensure compliance with the company’s credit policies. The ideal candidate will have a strong understanding of financial analysis, risk assessment, and lending procedures. Key Responsibilities:Evaluate loan applications and analyze applicants’ financial status, credit, and property evaluations. Perform credit risk assessments and due diligence. Make recommendations for approval or rejection of credit applications. Monitor existing loan portfolios and follow up on repayments. Ensure all credit files are complete and comply with internal policies and external regulations. Maintain accurate records of all loan-related activities and customer interactions. Assist in setting and revising credit policies and procedures. Liaise with clients to resolve credit-related issues or questions. Work closely with the collections team to ensure timely loan recoveries. Prepare and submit regular reports to management. Qualifications:Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field. Proven experience as a Credit Officer, Loan Officer, or similar role (2+ years preferred). Strong knowledge of lending procedures and applicable laws and regulations. Analytical mindset with strong attention to detail. Excellent communication and interpersonal skills. Proficient in MS Office and financial software (e.g., credit scoring systems). Ability to work under pressure and meet tight deadlines. Preferred Skills:Experience with risk management tools and financial modeling. Knowledge of local credit markets and industry-specific credit trends. Familiarity with credit bureau reporting. Work Environment:Office-based with occasional field visits (if applicable). Standard working hours with flexibility during peak periods.