Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warni..
Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles.
Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP).
Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA).
Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation.
Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval.
Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams.
Minimum Bachelor's or Master's degree from a reputable university.
Having a minimum of 3 years of experience as a Credit Analyst in SME/Micro SME/Commercial Loans.
Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies.
Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation.
Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, integrity, commitment, and discipline.
