Credit Officer

Responsibilities:
• Periodical/initial credit risk reviews of existing, prospect individual clients or group of companies.
• Continuous assurance of health and appropriateness of the credit clients' risk profile. Conducting Early Warning and Risk Management activities to take the right actions timely to ensure a healthy risk profile, including classification decisions and credit strategy
• Full responsibility and leadership of parties involved in the credit process, for timely completion of tasks related to the assigned portfolio/pipeline
• Decision making and credit file preparation including client risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis
• Perform second approver/checker of Credit Applications when required according to the designated approval limits
• Preparation of Greenlight Memorandums together with Sales Team and presenting the drafted credit proposals to required approvers at the Greenlight Meetings
• Responsible for on time completion of annual reviews, quarterly credit reviews (when needed), any ad-hoc reviews of existing customers (timely maintenance of maturing credit lines)
• Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis
• Responsible for deciding on and monitoring the remedial strategy of each client classified for closer monitoring
• Maintains credit related data consistency by daily usage of reports and credit tools