Credit Assessment and Risk Analysis:

• Analyze risks, exposures, and perform due diligence for loan applicants using a proprietary platform, ensuring comprehensive risk assessment of SME clients
• Evaluate the financial health of applicants through financial statements, market data, and industry trends, while considering macroeconomic factors that may impact the creditworthiness of the business
• Balance credit risk and business risk by using analytical judgment to make educated and well-informed decisions on loan approvals
• Conduct ongoing macro-economic, industry, and market analysis to understand potential impacts on the loan portfolio and provide recommendations for strengthening credit strategies

Loan Evaluation and Decision Making:

• Evaluate, recommend, approve or reject applications based on creditworthiness, following established credit policies and standard operating procedures
• Recommend loan/facility amounts, repayment terms based on credit risk profiles while adhering to the Company's risk management guidelines
• Provide risk mitigation strategies for identified risks, such as enhanced collateral or structuring of loan terms, to protect the Company from potential defaults

Credit Risk Management and Portfolio Oversight:

• Perform data management and maintenance to ensure the accuracy, integrity, and performance of the SME credit portfolio, supporting a comprehensive risk framework
• Develop and implement credit rating models and management processes for SME customers to ensure a robust credit rating system that reflects the borrower's risk profile
• Monitor and manage the SME loan portfolio on an ongoing basis, providing a forward-looking view of portfolio performance and adjusting credit strategies based on emerging trends

Reporting and Strategic Recommendations:

• Prepare regular reports on loan portfolio performance, highlighting risk areas and making recommendations to senior management for improving credit policies
• Take on special projects to support the company's strategic goals, including initiatives related to credit portfolio improvement, new market penetration, and risk management

Team Collaboration and Leadership:

• Collaborate with cross-functional teams, including financial product, operations, legal, and risk management, to streamline loan processing and support the company's overall objectives
• Lead and mentor junior credit analysts, ensuring consistent application of credit risk methodologies and supporting team development

Compliance and Best Practices:

• Ensure all credit decisions are compliant with regulatory standards and internal credit policies
• Continually refine credit scoring systems and recommend improvements to credit management processes based on industry best practices

Scope:

• Works primarily with small and medium-sized enterprises (SMEs), providing financial analysis, risk assessment, and lending recommendations
• Oversees loan portfolios that can range in size and complexity, requiring expertise in risk management and financial analysis
• Plays a vital role in maintaining a balance between credit risk and business growth, ensuring both the financial health of the Company and the success of SME clients