Credit Officer at SOBIC Company

Job Description

• We are looking for a Credit Officer to facilitate lending for our clients by assessing creditworthiness and processing relevant paperwork.
• Credit Officer responsibilities include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. To be successful in this role, you should have a good understanding of lending procedures and customer service experience.
• Ultimately, you will help our clients acquire loans in a timely manner and ensuring that the loan is being repaid as at when due while ensuring we comply with the law.

Responsibilities

• Review loan requests
• Assess clients’ financial status
• Evaluate creditworthiness and risks
• Contact clients to gather financial data and documentation
• Analyze risks and approve or reject loan requests
• Calculate financial ratios (e.g. credit scores and interest rates)
• Set up payment plans
• Maintain updated records of loan applications
• Follow up with clients about loan renewals
• Monitor the progress of existing loans
• Keep daily records (Daily Collection Sheet, Ledger etc)
• Recover the default if any from the customer
• Prepare timely report
• Any other function as assigned by the Branch Manager.

Requirements / Skills / Competencies

• Integrity and diligence
• Product knowledge
• Communication skills
• Excellent customer service
• Relationship management
• Target-driven
• Team-player
• Computer literacy,