Credit Officer - Loan Analysis and Risk Assessment

Credit Officer Credit Analysis & Risk Assessment: Analyze financial statements, cash flow projections, and credit history to calculate risk ratios and determine a borrower’s ability to repay. Loan Approvals & Structuring: Approve, reject, or negotiate loan terms (such as interest rates and payment plans) based on established underwriting guidelines and policies . Portfolio Monitoring: Track the performance of existing loans, ensure compliance with loan covenants, and identify early warning signs of default. Compliance: Ensure all lending activities adhere to internal policies, industry standards, and regulatory requirements. Client Consultation: Meet with clients to gather necessary documentation, explain loan options, and guide them through the borrowing process. Documentation & Reporting: Prepare comprehensive credit memos, maintain accurate loan records, and present findings to credit committees or senior management.