About this role
Key Responsibilities * Review and assess credit applications submitted by customers. * Analyze financial statements, bank references, trade references, and credit reports. * Conduct credit risk assessments and recommend credit limits and payment terms. * Monitor existing customer accounts and identify potential credit risks. * Evaluate customer payment histories and credit trends. * Coordinate with Sales, Finance, and other departments regarding customer credit matters. * Prepare credit evaluation reports and recommendations for management approval. * Maintain accurate customer credit records and documentation. * Follow up on outstanding information required for credit assessments. * Ensure compliance with internal credit policies and regulatory requirements. * Assist in periodic reviews of customer credit limits and account statuses. * Support collection activities when required by providing credit-related insights. Qualifications and Experience * High school / Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field. * Minimum of 2–5 years of experience in credit analysis, credit evaluation, finance, or a related role. * Experience reviewing financial statements and assessing credit risk. * Knowledge of credit management principles and financial analysis techniques. * Proficiency in Microsoft Excel and ERP systems. Skills and Competencies * Strong analytical and problem-solving skills. * Excellent attention to detail and accuracy. * Ability to interpret financial data and credit reports. * Effective communication and interpersonal skills. * Strong organizational and time-management abilities. * Ability to work independently and manage multiple priorities. * Professional judgment and decision-making skills. * Confidentiality and integrity in handling sensitive financial information. Key Performance Indicators (KPIs) * Timely processing of credit applications. * Accuracy and quality of credit assessments. * Reduction of bad debt exposure. * Compliance with credit policies and procedures. * Effectiveness of credit risk mitigation recommendations. Employment Type * Full-Time