Credit Risk/Review Officer

· Assess the creditworthiness of current and prospective clients

· Determine the level of risk involved in lending to each client

· Perform the required monitoring of existing financial loans for compliance

· Calculate financial ratios to assess the financial health of prospective clients

· Calculate trend and cash flow analysis to evaluate the current financial status and create projections

· Write recommendation reports to the credit committee and senior management for consideration

· Evaluate a client’s financial statements and credit reports to determine their ability to honor debt obligations

· Ensure approved loan applications comply with the company’s lending criteria

· Identify discrepancies in credit files and reconcile them

· Develop models of credit information to be used to predict future patterns and support credit analysis of new clients

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