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Job Description
- Analyze creditworthiness of potential clients by assessing financial statements, credit scores, and payment histories to minimize default risks.
- Ensure adherence to company credit policies, guidelines, and regulatory requirements to maintain compliance.
- Develop and execute strategies to mitigate credit risks, including setting credit limits and recommending adjustments.
- Supervise and guide junior analysts and credit officers, ensuring high-quality risk assessments and consistent performance.
- Oversee the health of the credit portfolio by identifying early warning signs of default and taking proactive measures.
- Make decisions on loan approvals or escalate complex cases to higher management for review.
- Prepare detailed risk assessment reports for senior management, highlighting trends, potential issues, and solutions.
- Work closely with sales, collections, and legal teams to align credit risk objectives with business goals.
- Use advanced tools and software to enhance risk assessment efficiency and accuracy.
- Identify areas for improvement in the credit assessment process and recommend enhancements to ensure best practices.
Job Requirements
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