Review and analyze loan/credit applications from individuals or businesses.
Assess financial statements, credit reports, bank statements, and other supporting documents.
Conduct credit risk analysis and determine repayment capacity.
Verify customer information and perform due diligence checks.
Recommend approval, rejection, or modification of credit proposals.
Ensure compliance with internal credit policies and regulatory requirements.
Monitor existing loan accounts and identify early warning signs of default.
Prepare credit appraisal reports and present recommendations to management or credit committees.
Maintain accurate records and documentation.
Coordinate with sales, operations, legal, and collections teams.