Evaluate creditworthiness of loan applicants by analyzing financial statements, credit reports, and other relevant information to determine risk levels.
Conduct thorough risk assessments and recommend appropriate credit limits, terms, and conditions for loan approvals.
Review loan applications and make recommendations based on established credit policies, procedures, and regulatory requirements.
Monitor existing loan portfolios to identify potential risks, trends, and adverse developments. Develop and implement risk mitigation strategies, including collateral requirements, loan restructuring, and collections initiatives.
Collaborate with cross-functional teams, including underwriting, collections, and compliance, to ensure consistent application of credit policies and procedures.
Stay abreast of industry trends, regulatory changes, and best practices in credit risk management to enhance risk assessment methodologies and processes.
Prepare and present credit risk reports, analyses, and recommendations to senior management and stakeholders.
Participate in credit committee meetings and provide input on credit-related matters, portfolio performance, and risk trends.
Foster positive relationships with internal stakeholders, external auditors, and regulatory agencies to support effective risk management and compliance efforts.
Candidate must have suitable knowledge regarding the loan underwriting with the products such as Candidates who have worked in financial institutions with single obligor limits around 100m - 500m.