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Credit Analyst, Credit Assessment & Review Department, SME Banking

Req ID:  7082
Job Description: 

Job Responsibilities:

 

  • Credit Evaluation of New and Enhancement Applications

    • Process and evaluate new and enhancement applications.
    • Complete the Memorandum of Approval (MA) / Credit Proposal.

  • Issue Mitigation

    • Address and mitigate issues raised by the Credit Management Division.

  • Approval Process

    • Present applications and seek approval from the respective Financing Committee.

  • Guarantee Coverage

    • Prepare Guarantee Notification Request for submission to SJPP for guarantee coverage on the approved credit application.

  • Letter of Offer Preparation

    • Prepare the Letter of Offer (LO) for issuance to the Sales & Marketing Team (SMT).

  • Communication and Coordination

    • Communicate with the Sales & Marketing Team (SMT) to ensure all required documents are properly submitted.

  • Risk Assessment and Quality Control

    • Ensure that submissions from the Sales & Marketing Team (SMT) are within the accepted risk appetite to secure quality customers.

  • Process and Compliance Adherence

    • Ensure all processes and terms comply with the standard turnaround time (TAT).
    • Adhere to internal policies/guidelines and external regulatory requirements.

  • Record Keeping

    • Maintain proper records on a daily basis for assigned accounts/proposals to ensure effective tracking.

  • Cross-Department Collaboration

    • Work with various units within the division or other divisions at HQ to provide support and solve issues as needed.

  • Other Duties

    • Perform any other duties, assignments, or responsibilities as directed by the superior, based on business requirements.

 

Job Requirements:

 

  • Education and Experience

    • Bachelor's degree in Finance, Business Administration, or a related field.
    • Minimum of 2-3 years of experience in credit evaluation, financial analysis, or a related area.

  • Skills and Competencies

    • Strong understanding of credit evaluation and risk assessment processes.
    • Familiarity with regulatory requirements and internal policies related to credit approval.
    • Excellent analytical and problem-solving skills.
    • Strong communication and interpersonal skills for effective coordination with internal teams and external stakeholders.

  • Technical Skills

    • Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and other relevant financial software.
    • Knowledge of credit risk management tools and systems.

  • Attention to Detail

    • Ability to maintain accurate records and ensure compliance with internal and external guidelines.

  • Organizational Skills

    • Strong organizational skills with the ability to manage multiple tasks and meet deadlines.

  • Other Requirements

    • Ability to work independently and as part of a team.
    • Strong work ethic and ability to adapt to changing business needs

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