Credit Assessment Officer

Responsibilities
– Review the information provided in customer loan applications and verify it against the supporting documents submitted by the customer.
– Ensure that all customer information, supporting documents, and assessment reports are reviewed accurately, completely, and within the required turnaround time.
– Verify all customer contact information recorded in the credit assessment form and validate the customer’s bank account details.
– Request additional information or supporting documents whenever the information provided is incomplete, unclear, or insufficient for credit assessment.
– Analyze customers’ repayment capacity, creditworthiness, and financial background, and provide recommendations to the Credit Committee for lending decisions.
– Participate in discussions and provide professional recommendations on complex or exceptional customer cases to facilitate appropriate credit decisions.
– Review, organize, and prepare customer documentation to ensure completeness before submission to the Credit Committee for approval.
– Ensure all customer verification calls are conducted professionally, maintain high quality standards, and comply with the Company’s credit policies and procedures.
– Prepare accurate and timely daily, weekly, and monthly operational and credit assessment reports.
– Perform other duties and responsibilities as assigned by the immediate supervisor, management, or the Credit Operations team.