Credit Analyst SME

Responsibilities

• Responsible for approving all SME loan applications, demonstrating sound credit and business judgment, and adept at identifying high-risk, early warning signs, and potential fraud conditions in customer profiles.

• Experienced in handling SME loans secured with property collateral, ensuring compliance with established policies and standard operating procedures (SOP).

• Achieve daily targets for reviewing incoming loan applications and adhere to committed Service Level Agreements (SLA).

• Possess knowledge of industry practices, financial statement analysis, and a fundamental understanding of legal aspects related to collateral security and company documentation.

• Able to read and understand customer payment or Non-Performing Loan (NPL) performance for learning of future approval.

• Develop and propose mitigation strategies for financing customers to minimize lending risks, and effectively communicate solutions to sales, marketing, and business teams.

Requirements

• Minimum Bachelor's or Master's degree from a reputable university.

• Having a minimum of 3 years of experience as a Credit Analyst in SME/Micro SME/Commercial Loans.

• Having authority limit approval with a minimum of 500 million and the ability to assess the creditworthiness of both individuals and companies.

• Proficient in comprehending the entire credit process and underwriting, including but not limited to loan submission, documentation, policy adherence, approval analysis, and collateral security evaluation.

• Demonstrate keen attention to detail and a strong interest in analyzing customer data. Exhibit qualities of high responsibility, integrity, commitment, and discipline.