Officer - Credit Micro Banking

Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity. Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms. Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations. Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria. Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults. Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts. Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns. Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders. Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities.