Credit Risk Officer
5 days ago
A reputable and fast-growing non-bank financial institution is seeking a highly analytical and detail-oriented credit risk officer to join its credit & risk management team.
Min Qualification: Degree Experience Level: Mid level Experience Length: 3 years
Job descriptions & requirementsResponsibilities:
- Assess, analyze, and validate loan applications across multiple credit products, including SME/Business Loans, Asset-Backed Loans (vehicles, equipment, etc.), LPO Financing, Invoice discounting, CNG Engine Conversion Financing, and Solar Energy Financing.
- Conduct comprehensive financial analysis, including cash flow assessment, bank statement review, credit history evaluation, and business viability studies.
- Evaluate collateral documentation, asset valuation reports, and ensure proper risk mitigation measures are in place.
- Prepare detailed and well-structured credit appraisal reports with recommendations.
- Ensure lending decisions comply with internal credit policies, regulatory guidelines, and risk management frameworks.
- Monitor approved facilities to promptly identify early warning signals and recommend risk mitigation actions.
- Work closely with the Credit, Legal, Recovery, and Business Development teams to ensure end-to-end credit quality.
- Support portfolio performance tracking and contribute to the continuous improvement of credit risk processes.
Requirements:
- Bachelor's degree in Finance, Accounting, Economics, or related field.
- Minimum of 3–5 years' experience in Credit Risk, Credit Analysis, or Lending Operations within a Microfinance Bank, Commercial Bank, or Finance/Leasing Institution.
- Strong financial analysis, modelling, and credit appraisal skills.
- Good knowledge of SME financing, asset-backed lending, and working capital finance.
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