Assess and analyze credit proposals by reviewing client financial statements and credit history.
Develop and maintain strong client relationships to understand financing needs and provide appropriate solutions.
Prepare comprehensive credit analysis reports with sound financial justifications.
Monitor loan performance, repayment schedules, and identify early warning signs.
Collaborate with internal teams to ensure timely and accurate loan processing.
Ensure all credit activities comply with internal policies and regulatory requirements.
Maintain up-to-date knowledge on industry credit trends and best practices.
Job Specification
Bachelor’s degree in Finance, Banking, Accounting, or related field.
Strong understanding of the credit process, credit chain, and lending policies.
Proficient in analyzing financial statements and financial ratios.
Experience in preparing professional credit analysis reports.
Good interpersonal skills and ability to build lasting client relationships.
Job Description
Cultivate and maintain strong relationships with individual and deposit clients.
Promote deposit products to existing and potential customers to meet monthly deposit targets.
Conduct regular client meetings to understand financial needs and provide appropriate deposit solutions.
Monitor deposit portfolio performance and prepare relevant reports for management.
Collaborate with internal teams to ensure efficient onboarding and service delivery.
Stay updated on market trends, competitors’ offerings, and customer insights.
Ensure compliance with bank policies and regulatory requirements in all client dealings.
Job Specification
Bachelor’s degree in Business, Banking, Economics, or a related field.
Minimum 2–3 years of experience in deposit or related roles.
Strong interpersonal, communication, and negotiation skills.
Ability to work under pressure and achieve sales targets.
Good knowledge of deposit products, banking procedures, and market dynamics.
Duties & Responsibilities
Identify and prospect customers through market segmentation with a focus on an industry and/or sub-segment
Find new loan customers for commercial business by networking and marketing activities.
Develop and maintain relationships with existing customers to provide quality service
Respond to client queries relating to loan, products and operational issues
Conduct due diligence and compliance reviews for credit customer in lie with internal and regulatory requirements.
Demonstrate an understanding of customers’ business needs as well as an ability to generate tailored advice, ideas and financial solutions.
Cross-sell products and service with the objective of achieving customers’ financial objectives.
Develop credit proposals and submit credit presentations for approval.
Inspect customers’ business situation/condition and evaluate the collateral.
Prepare loan file and send loan proposal to credit underwriting department for recommendation & approval.
Responsible to do collection activities in timely manner and ensure to provide quality loan.
Advise customers for the lending requirement and collect require document.
Support underwriting department to meet underwriting aspect and meet the TAT in order to disburse the loan to the customer.
Review and analyze financial statement and advise the prepaid and advice the financial solution & products such as the deposit, loan, bank product etc.
Requirements
Bachelor Degree in Business/Finance/ Accounting
MBA is preferable
Minimum 2 years of working experience.
Proficiency in MS word, excel and power point
Good personality and excellent communicator
Understanding credit parameter and able to do credit assessment & financial analysis.
