Credit Officer - Branch/HO (JO-SPO)

• Strong knowledge in the management of core risks, credit/credit risk analysis and administration complying with credit/credit policy guidelines of Banks.

• Evaluate and review all Credit proposals and recommend appropriate debt-structure for approval.

• Analyze clients' financial status & evaluating creditworthiness and risks using essential financial indicators.

• Identify, address potential risk factors and calculate financial ratios (e.g. credit/credit scores and interest rates) to ensure sound credit decisions.

• Ensure adherence to internal and external regulatory requirements throughout the evaluation process.

• Analyzing risks and approve or reject loan requests.

• Contribute to process improvement initiatives in collaboration with other stakeholders and setting up payment plans.

• Preparing and timely submitting of all kinds of related statement to the concerned authorities.

• Monitor portfolio trends, conduct overdue analyses, and report insights.

• Attend and facilitate meetings as required and maintaining updated records of loan application.

Age At least 25 years At least three years of experience in a similar field or in diverse roles across credit underwriting and credit product management.Strong understanding of Banking fundamentals, products, compliance, and risk mitigation.Analytical proficiency in evaluating Credit proposals following the bank’s policies.Effective interpersonal and communication skills.Advanced knowledge of MS Office applications.Proficient in customer service orientation, self-motivation, and deadline adherence.

https://bdjobs.com/h/details/1518876

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