Senior Credit Analyst Officer

No detailed description provided.

• Receive and review credit applications for analysis; • Evaluate applicants’ creditworthiness, financial standing, and repayment capacity using appropriate credit scoring models; • Analyze credit files, determine appropriate loan terms (including interest rates), and provide well-documented recommendations; • Conduct collateral verification through site visits and prepare reports for the credit committee; • Present and defend credit applications before the credit committee and approving authorities; • Approve or recommend rejection of loan applications based on risk assessment and available data; • Ensure compliance with the institution’s credit policy, procedures, and regulatory requirements; • Monitor credit risk exposure, loan repayments, and bad debts; • Follow up on loan disbursements and maintain accurate records of all company loans; • Review and propose updates to credit policies in line with evolving risks and business needs; • Collaborate with clients to negotiate loan terms where applicable; • Prepare and submit periodic credit analysis reports; • Perform any other related duties assigned by the supervisor. • Bachelor’s degree in accounting, business administration, finance, or in a similar field. • Proven work experience of at least 3 years in a banking institution, with a strong focus on credit analysis.