Job DescriptionsConduct credit underwriting and evaluate loan applications for retail and SSME (Small and Small-Medium Enterprise) segments.
Analyze financial statements, cash flows, collateral, and business operations to assess repayment ability and ensure compliance with the company's credit policy and risk appetite.
Collaborate with Business Loan, Credit Management, and relevant departments (e.g., Operations, Legal) to prepare Credit Approval (CA) packages, execute loan agreements, and support timely loan disbursements and customer service delivery.
Monitor credit quality and portfolio performance of accounts under responsibility.
Identify early warning signs and support proactive risk mitigation and portfolio management to minimize NPLs.
Coordinate with the Debt Collection team to support restructuring, follow-up, and resolution processes in line with company objectives and customer needs.
Support other tasks or projects as assigned to contribute to team and organizational success.