Roles and Responsibilities:Assess creditworthiness of individuals or businesses by analyzing financial statements and credit reports.Evaluate and process credit applications, ensuring adherence to company policies and regulatory guidelines.Monitor and review credit limits and exposure on an ongoing basis.Conduct risk assessments and recommend credit decisions.Prepare reports and maintain accurate credit documentation.Collaborate with internal teams (finance, sales, legal) to streamline credit approval processes.Identify potential clients and assist in developing credit solutions to support business growth.Work closely with sales and business development teams to structure credit facilities that align with customer needs.Assist in designing credit policies and risk frameworks to facilitate business expansion.Stay updated on industry trends, financial regulations, and market opportunities that impact credit risk and business growth.Support relationship management efforts by maintaining strong client interactions regarding credit terms and financial solutions. Required Qualifications & Skills:Bachelor's degree in Finance, Accounting, Economics, or a related field.years of experience in credit analysis, risk assessment, or a related role.Strong analytical and problem-solving skills.Proficiency in Lending operations and credit risk evaluation.Knowledge of credit rating methodologies and Loan Management System.Familiarity with banking/financial software and credit assessment tools.Excellent communication and reporting skills.