Senior Officer, Credit Operations (Credit Assessment)

Senior Credit Officer Positions are mid-level staff with experiences in credit field; staff must have strong analytical skills, deep knowledge and strong commitment.
To ensure the process of checking and accessing loan applications in accordance with the bank’s credit policies and credit guidelines.
To assist in produce and/or checking, verifying credit matter-related reports and ensure the submission date is before the deadline.

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Prepares and/or reviews all loan applications for completeness and accuracy
Analyze financial information to determine credit quality, and document risk factors
Recommend and document risk mitigation standards and processes
Investigate and understand discrepancies, problems, and unusual situations
Direct due diligence and portfolio assessment practices, risks evaluating guided by internal guidelines/policies
Assess clients’ financial status
Liaison with all branches with loan applications and credit matter related
Analyzing, assessing the creditworthiness and identify the risks of loan applications submitted from branches guided by internal guideline/policy
Noting of all loans approved by branches and ensures that it complies with the Credit Policy and guidelines.
Evaluate and recommend to the Executive Director/General Manager, CC on loans exceeding Branch Manager’s discretion
Maintain information and records of groups and or related party borrowings and monitoring single limit requirements
Develop markets and customer groups
Prepare and review Credit Card applications for management’s approval.
Prepare and/or present loan recommendations to Loan Committee and/or Senior Management
Other tasks assigned by management.

Bachelor’s Degree in Finance and Banking, Business Administration, Accounting, or any related fields
At least 2 years of working experiences
Good in English both verbal and written communication is a plus.
Good knowledge of Microsoft Office is a plus.
Good at analysing, planning and interpersonal skills