Assistant Credit Manager

Job Summary Commercial bank innovation Services is looking to hire a Credit officer The Credit Officer position is accountable for the entire credit granting and monitoring process including the consistent application of credit policy criteria Approved Company List management for Retail Lending assessment of the creditworthiness of potential customers CPV function monitoring periodic credit reviews of existing portfolios by in depth analysis and provide feedback on the performance of the policies Key Accountabilities Retail Credit Operations Conduct underwriting activities i e analysing credit applications reviewing credit bureau reports deciding recommending loan applications and ensure quality and adherence to credit policies criteria Maintain the Approved List of Companies for Retail LendingConduct post review on applications approved by business and highlight the errors to the business as a part of ongoing training and to reduce the error rate to 0 Attending Business enquiries related to various product policies Support in Enhancing Retail Lending automation projects Other Accountabilities Credit Monitoring Identify and report early warning signs of deterioration and follow up with relevant business counterparts in order to proactively deal with any issues Prepare required reports and dashboards including financing volume reports for use in planning forecasting and performance monitoring Review and propose policy criteria change as and when needed Monitor and control performance of product campaignsMonitor Employer level performance and recommend appropriate action