Officer - Credit Review

The Officer Credit Review executes loan credit review assignments ensuring accurate evaluation of credit portfolios, risk ratings, and credit management practices. He/ She reviews and validates risk ratings, identifies emerging risk issues, and ensures compliance with internal policies and regulatory requirements. The Officer Credit Review executes end-to-end credit review processes, enhances review standards through collaboration with business teams and regulators, and ensures accurate and timely reporting in alignment with departmental objectives. Key Accountabilities: Executes loan credit review assignments, ensuring thorough evaluation of credit portfolios, risk ratings, and credit management practices in alignment with departmental objectives. Reviews and validates risk ratings and credit analyses to ensure compliance with internal policies, regulatory requirements, and industry best practices. Identifies emerging loan credit risk issues and trends, providing expert recommendations to mitigate risk and enhance credit quality. Executes end-to-end credit review processes, including loan processing documentation and credit file control, ensuring accuracy and completeness. Implements process enhancement initiatives by applying data analytics and technology to improve efficiency and accuracy under the supervision of the line manager. Collaborates with business teams, risk officers, and credit units to strengthen credit review standards and practices. Coordinates with cross-functional stakeholders to enhance system capabilities and maintain data integrity for effective credit risk assessment. Ensures timely and accurate preparation and submission of regulatory and internal credit review reports, including daily, monthly, and ad-hoc returns. Manages day-to-day interactions with regulators related to credit review and facilitates inspections or audits within the assigned scope. Ensures regulatory returns are adhered to and submitted on timely manner. Qualifications and Experience: Bachelor s degree in Accounting or Finance. A professional certification in Credit Administration (E.g. ACCA, CCP, CBCA, CICC etc.) is desired. Relevant internships in NBFCs or banking environments such as credit administration, credit review, or related credit functions are advantageous. Knowledge of credit risk assessment methodologies, risk rating validation, and regulatory compliance requirements. Knowledge of local banking regulations and global standards related to credit reviews and credit risk requirements.