Credit Risk Officer, SME Lending

Job Description

As a Credit Risk Analyst for Small and Medium-sized Enterprises (SMEs) loan applications, you will play a vital role in supporting the growth of the SME lending portfolio. Your main responsibilities will include conducting thorough credit risk assessments, analyzing financial statements and business plans, and making lending recommendations.Key Responsibilities:- Analyze financial statements and business plans of SME loan applicants.- Assess credit risk using various models and techniques.- Prepare credit risk reports and recommendations.- Collaborate with relationship managers and other stakeholders.- Monitor and manage SME loan portfolios.- Ensure compliance with regulatory requirements and bank policies.- Contribute to the development and improvement of credit risk management processes.- Manage a portfolio of SME loan applications.Qualifications Required:- Bachelors degree in Finance, Accounting, Economics, or related field.- 4 years of experience in credit risk management, preferably in SME lending.- Strong understanding of SME business models and financial analysis.- Excellent analytical and problem-solving skills.- Strong communication and interpersonal skills.- Proficiency in Microsoft Office Suite, particularly Excel.In addition to the core job responsibilities and qualifications, the company offers a competitive salary and benefits package, opportunities for professional development and career advancement, a challenging and rewarding work environment, health insurance, paid time off, and performance-based incentives.In your day-to-day work, you can expect to analyze financial data, prepare credit reports, meet with colleagues and relationship managers, and ensure compliance with regulatory standards. As a Credit Risk Analyst for Small and Medium-sized Enterprises (SMEs) loan applications, you will play a vital role in supporting the growth of the SME lending portfolio. Your main responsibilities will include conducting thorough credit risk assessments, analyzing financial statements and business plans, and making lending recommendations.Key Responsibilities:- Analyze financial statements and business plans of SME loan applicants.- Assess credit risk using various models and techniques.- Prepare credit risk reports and recommendations.- Collaborate with relationship managers and other stakeholders.- Monitor and manage SME loan portfolios.- Ensure compliance with regulatory requirements and bank policies.- Contribute to the development and improvement of credit risk management processes.- Manage a portfolio of SME loan applications.Qualifications Required:- Bachelors degree in Finance, Accounting, Economics, or related field.- 4 years of experience in credit risk management, preferably in SME lending.- Strong understanding of SME business models and financial analysis.- Excellent analytical and problem-solving skills.- Strong communication and interpersonal skills.- Proficiency in Microsoft Office Suite, particularly Excel.In addition to the core job responsibilities and qualifications, the company offers a competitive salary and benefits package, opportunities for professional development and career advancement, a challenging and rewarding work environment, health insurance, paid time off, and performance-based incentives.In your day-to-day work, you can expect to analyze financial data, prepare credit reports, meet with colleagues and relationship managers, and ensure compliance with regulatory standards.

Keyskills :
Financial AnalysisCredit Risk ManagementAnalytical SkillsCommunication SkillsInterpersonal SkillsExcelProblemSolving Skills