Credit Officer at Pinenoc Solutions Integrated Limited

Job description

• Source for new clients to access company's loan
• Conduct client interviews to assess financial status, loan needs, and repayment capacity.
• Collect, analyze, and verify client information and financial documents.
• Recommend or approve loan applications based on financial data and risk analysis.
• Prepare loan agreements and ensure all legal and regulatory requirements are met.
• Complete the loan disbursement process efficiently and accurately.
• Ensure proper documentation for all loans and maintain accurate records.
• Monitor loan repayments and proactively manage client accounts to minimize delinquencies.
• Identify and address early warning signs of non-payment.
• Develop and execute loan recovery strategies in case of overdue payments.
• Build and maintain positive relationships with clients.
• Provide financial advice and support to clients to enhance their financial literacy.
• Conduct regular client visits for loan verification and business performance monitoring.
• Ensure compliance with all internal policies, legal guidelines, and regulatory requirements.
• Prepare periodic reports on loan disbursement, portfolio quality, and loan performance.
• Collaborate with the credit team to meet the bank’s credit performance targets.
• Ensure a balanced and healthy loan portfolio.
• Monitor the loan portfolio and adjust strategies to mitigate risks.
• Regularly report on loan performance to management.