Perform risk assessments and review the credit application submitted by front line officers; exercise credit judgment; and make sound credit recommendations and / or decisions;
Perform pro-active on-going credit monitoring and risk management on the client as well as portfolio level;
Ensure all internal credit policies and procedures are adhered to and help to develop or enhance such policies and procedures;
Ensure on-going compliance with regulatory requirements;
Analyze risks and approve or reject loan requests, review clients’ financial status, evaluate creditworthiness and risks, calculate financial ratios (e.g. Debt to Income Ratio and interest rates)
Set up payment plans
Help to prepare various credit reports to be presented to Senior Management;
Ensure all transactions have full and proper documentation.