รายละเอียดงานJob Purpose
The credit officer is responsible for Corporate Credit Analysis under credit risk Management. (Commercial sector including Fleet Hire Purchase, Financial Lease and Floor plan)
Principle Accountability
• Ensure that credits are conduct within credit policy.
• Throughly analyze risks in each individual transaction, including the purpose of the credit, source of repayment, collateral, sensitivities, (financial) history, terms and conditions to determine the overall risk profile.
• Prepare credit proposals (Credit Write-up) and the credit risk of customers, including advice on how to cover such risks under the guidance of Credit Manager.
• Review and recommend credit proposals exceeding own authority.
• Assess the risk exposure of each proposal and verify the proposed decides within delegated authority or provide opinions to higher approval levels on the credit limit.