Credit Officer

Responsibilities:

• Analyze the applicant's financial status, credit, and property evaluations to determine the feasibility of granting loans
• Prepare loan proposals and present to the Loan Committee for approval
• Review and clear conditions on approved loans in a timely manner
• Manage a portfolio of loans, ensuring that payments are received and that the loans remain in good standing
• Work with customers to restructure loans as necessary to avoid default
• Negotiate and coordinate loan workouts with attorneys, real estate agents, and other professionals as needed
• Monitor changes in borrower creditworthiness and take appropriate action to protect the bank’s interest
• Recover the loans 

Requirements:

• Minimum qualification of OND
• Thorough understanding of lending regulations 
• Analytical skills with the ability to identify risk factors
• Excellent written and verbal communication skills
• Ability to work independently and as part of a team