Credit Officer

Roles and Responsibilities

• Assess credit risk and make credit decisions in accordance with the company's policies and procedures
  
• Review and process credit applications, including analyzing financial information, credit reports, and other relevant information
  
• Work with customers to gather additional information and documentation as needed to support credit applications
  
• Provide excellent customer service to customers, responding to inquiries and resolving issues related to credit applications
  
• Ensure that credit decisions and operations comply with applicable laws, regulations, and company policies
  
• Monitor credit risk and proactively identify potential issues and opportunities for improvement
  
• Work collaboratively with internal stakeholders, including sales, finance, and legal, to ensure that credit operations are aligned with company goals and objectives
  
• Develop and maintain effective relationships with customers, vendors, and other external stakeholders
  
• Understanding of financial analysis and credit risk assessment methodologies
  
• Excellent communication and interpersonal skills
  

Desired Candidate Profile

• 0-3 years of experience in credit analysis or a related field (rural finance, microfinance).
  
• Strong understanding of credit principles, risk assessment techniques, and financial statement analysis.
  
• Proficiency in evaluating complex data sets and making informed decisions under tight deadlines.
  
• Excellent communication skills for effective collaboration with stakeholders across various functions.