Credit & Risk Manager at Creditwise Financials Limited

Job Description

• Review loan requests
• Acquisition and management of loan portfolio
• Assess the creditworthiness of current and prospective clients
• Determine the level of risk involved in lending to each client
• Perform the required monitoring of existing financial loans for compliance
• Calculate financial ratios to assess the financial health of prospective clients using CAM 
• Write recommendation reports to the credit committee and senior management for consideration
• Evaluate a client’s financial statements and credit reports to determine their ability to honor debt obligations.
• Ensure approved loan applications comply with the company’s lending criteria
• Identify discrepancies in credit files and reconcile them
• Contact clients to gather financial data and documentation
• Analyze risks and approve or reject loan requests
• Set up payment plans, Maintain updated records of loan applications
• Follow up with clients about loan renewals, Monitor progress of existing loans.
• Send monthly reports to credit bureaus.