Credit Evaluator.Retail Ops - Lending Ops - UnSecured Loans.Credit Management

2-5 Years

Save

Early Applicant

Job Description

Key Responsibilities

Review and assess credit applications submitted by customers.
Analyze financial statements, bank references, trade references, and credit reports.
Conduct credit risk assessments and recommend credit limits and payment terms.
Monitor existing customer accounts and identify potential credit risks.
Evaluate customer payment histories and credit trends.
Coordinate with Sales, Finance, and other departments regarding customer credit matters.
Prepare credit evaluation reports and recommendations for management approval.
Maintain accurate customer credit records and documentation.
Follow up on outstanding information required for credit assessments.
Ensure compliance with internal credit policies and regulatory requirements.
Assist in periodic reviews of customer credit limits and account statuses.
Support collection activities when required by providing credit-related insights.

Qualifications And Experience

High school / Bachelor's degree in finance, Accounting, Business Administration, Economics, or a related field.
Minimum of 2–5 years of experience in credit analysis, credit evaluation, finance, or a related role.
Experience reviewing financial statements and assessing credit risk.
Knowledge of credit management principles and financial analysis techniques.
Proficiency in Microsoft Excel and ERP systems.

Skills and Competencies