Evaluate and approve or deny credit applications based on thorough analysis. Monitor and manage the credit portfolio to minimize risk and optimize profitability. Ensure compliance with all regulatory requirements and internal policies. Review credit reports and financial statements to assess creditworthiness. Maintain up-to-date knowledge of industry trends and regulatory changes. Prepare and present credit reports and analysis to senior management. Collaborate with other departments to streamline credit processes. Provide training and guidance to branch staff on credit-related matters. Handle customer inquiries and resolve issues related to credit decisions.
As a Credit Analyst, your primary responsibility will be to evaluate and make decisions on credit applications after conducting a comprehensive analysis. You will be tasked with overseeing and maintaining the credit portfolio to reduce risk and enhance profitability. Ensuring adherence to regulatory standards and internal policies will be crucial in your role. Your daily tasks will involve reviewing credit reports and financial statements to determine the creditworthiness of applicants. Staying informed about industry trends and regulatory modifications will also be necessary. You will be expected to compile and deliver credit reports and analyses to the senior management team regularly. Collaboration with various departments to optimize credit processes and provide guidance to branch staff regarding credit-related matters will be part of your duties. Handling customer inquiries and resolving issues related to credit decisions will also be within the scope of your responsibilities.,