- Conduct thorough financial analysis of SME loan applications, including reviewing financial statements, business plans, and industry trends.
- Develop credit risk ratings for SMEs based on a variety of factors, including financial strength, industry risk, and management experience.
- Recommend appropriate credit limits and terms for loan applications, taking into account risk and potential return.
- Monitor existing SME loans and identify potential problems early on.
- Develop and implement risk management strategies for the SME portfolio.
- Prepare reports on SME loan portfolio performance and risk trends.
- Collaborate with other departments, such as sales and underwriting, to ensure the smooth flow of business.
Bachelor's degree in finance, accounting, or a related field.Credit Certified.2+ years of experience in credit risk analysis.Strong analytical and problem-solving skills.Excellent communication and interpersonal skills.Proficiency in financial modeling and analysis tools.Ability to work independently and as part of a team.Strong understanding of financial markets and regulations.