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Major Group
3
Technicians and Associate Professionals
Sub-Major Group
33
Business and Administration Associate Professionals
Unit Group
3312
Credit and Loan Officers
Minor Unit Group
MASCO Code
3312-05
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Credit Risk Officer
Credit Risk Officer evaluates and manages the credit risk of lending activities by assessing the creditworthiness of clients, monitoring exposures, and ensuring compliance with regulatory standards. They conduct credit reviews, participate in credit approvals, analyse financial data, and develop risk assessment models. The role includes preparing credit reports and implementing strategies to minimise potential loss from credit default, working closely with the risk management function.
Tasks
Conduct in-depth analysis of financial statements, credit reports, and other financial information to assess client creditworthiness.
Develop and apply credit scoring models and risk assessment tools to support credit evaluation.
Prepare credit analysis reports and submit recommendations on loan or credit applications for management approval or rejection.
Monitor the organisation’s credit risk exposure, identify potential risk areas, and report findings to management.
Ensure compliance with internal credit policies, regulatory requirements, and risk management frameworks.
Collaborate with relevant departments to develop and implement credit risk mitigation strategies.
Maintain accurate records of credit and loan documentation, including approvals and supporting evidence.
Monitor repayment performance and escalate overdue accounts for further action in accordance with internal policies.
Skills
Basic
Ability to work under pressure and meet tight deadlines.
Attention to detail and accuracy.
Effective communication and interpersonal skills.
Proficiency in financial analysis and interpretation of financial statements.
Strong analytical and numerical skills.
Specific
Ability to analyse financial statements, credit reports, and other financial data to evaluate client creditworthiness.
Competency in validating and interpreting risk models to ensure accuracy and reliability.
Knowledge in assessing industry-specific factors affecting credit risk.
Knowledge in developing and implementing credit risk policies and procedures.
Knowledge in identifying and implementing credit risk mitigation strategies.
Knowledge in regulatory requirements for credit risk management.
Proficiency in applying credit scoring models and risk modelling techniques for credit assessment.
Proficiency in utilising data analysis tools for risk evaluation.
Additional Info
QUALIFICATION
Bachelor’s degree or equivalent
Related Courses
MASCO
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