Credit Officer at Halisi Group

Key Accountabilities/Deliverables

• Analyze customer financial condition and authorize customer credit lines
• Minimize bad debt risk, maximize accounts receivable collections
• Reconcile customer statements/billings
• Participate in process improvement projects, and support other management directives as prescribed

Credit Officer Job Responsibilities

• Primary responsibility is the underwriting and approval of credit transactions
• Sourcing for structured financing
• Manage Bank requirements and negotiations
• Responsible for evaluating financial performance of borrower, and proposing an appropriate risk rating
• Responsible for ensuring compliance with portfolio limits, quality and soundness of all credit transactions
• Assists in obtaining credit committee approvals; ensuring compliance with Credit Policy; reviewing legal documentation
• Other responsibilities include the monitoring of industry developments as well as reviewing the quarterly financial results of these clients
• Credits file maintenance in accordance to requirement per credit policy
• Monitor the exposure and limits, portfolios & control risk positions; Identifies early client risk/exposure, early detection of volatile industries and markets for assigned portfolio.
• Perform credit analysis and credit report write-up on assigned portfolios
  actively participate and help implementing the change agenda in Credit Risk
• Cultivating and maintaining a good customer relationship with our clients, brokers, agents and as other friendly companies
• Market Research on financial products / solutions
• Carrying out background research on the clients as well as the clients’ industry
• Production analysis and reporting
• Make various credit checks

Qualifications for the Credit Officer Job

• Bachelor’s degree in business administration, finance or economics
• 1-3 years prior credit underwriting and analysis experience
• Strong attention to detail and strong organizational skills
• Strong technical and analytical skills
• Thorough knowledge of financial statements, accounting principles, credit policies, applicable laws and industry data sources