Medium Enterprises Credit Officer

The Micro, Small & Mediu...

Key Responsibilities:

• Apply approved credit policies and controls during credit evaluation to ensure compliance with MSMEDA requirements and mitigate credit risks.
• Prepare credit studies for non-standard projects requiring specialized evaluation to support decisions of the relevant credit committees.
• Conduct financial analysis of historical and projected financial statements for medium enterprises to prepare proposed financing and notify regional offices to initiate contracting procedures with clients.
• Review and revise credit studies submitted by regional offices that exceed their delegated authorities to ensure technical readiness prior to submission to senior committees.
• Collaborate with technical teams to enhance direct lending procedures, aiming to streamline workflows while maintaining credit control standards.
• Ensure the preparation and review of credit studies within approved timelines to maintain operational efficiency and high-quality recommendations.
• Coordinate with the Risk Sector and regional offices to follow up on cases under review and ensure all technical remarks are addressed prior to final approval.
• Respond flexibly to internal technical inquiries related to credit cases to accelerate decision-making cycles and ensure complete documentation.
• Propose improvements to credit evaluation and financial analysis tools to enhance data quality and improve the accuracy of credit decisions.

Skills & Competencies:

Technical Skills:

• Financial Statement Analysis
• Financial Ratio Analysis
• Understanding Creditworthiness Standards
• Credit Report Writing
• Use of Financial Analysis Tools

Soft Skills:

• Teamwork
• Problem Solving
• Effective Communication
• Ability to Work Under Pressure
• Adaptability and flexibility in team environments