1. Protect the company from fraudulent accounts by conducting thorough investigations and reviewing all accounts being processed
2. Conduct a thorough analysis of loan applications, financial statements, credit reports, and other relevant documentation to assess the creditworthiness of borrowers
3. Evaluate the risk profile of borrowers by analyzing factors such as income stability, debt-to-income ratio, credit history, collateral, and industry trends
4. Ensure compliance with internal policies, guidelines, and regulatory requirements while reviewing credit applications
5. Verify the accuracy and completeness of loan documentation, including legal and financial documents, and identify any potential discrepancies or red flags
6. Utilize financial models and tools to assess the viability and profitability of credit proposals and determine appropriate loan terms and conditions
7. Prepare detailed credit review reports summarizing the analysis, findings, and recommendations for credit decisions
8. Provide timely and accurate responses to inquiries from internal stakeholders and maintain a customer-centric approach in dealing with external customers
9. Conduct external verification to validate data/information provided/submitted by clients concerning their loan applications
10. Use or explore different methods of validation to verify the information provided/submitted by clients
11. Perform other tasks that may be assigned by the department head

Job Specifications

• Educational Requirement: Bachelor’s degree in a related field
• Work Experience: 0–6 months related experience (fresh graduates are welcome to apply)