o Assess loan application and quality check within defined guidelines and policies of each product.Conduct independent credit risk assessments on loan applications and submit to loan committee for approval.
o Conduct on site visit for necessary cases, including suspicious cases and accordingly providing independent observation.
o Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).
o Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections
o Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
o Analyze the data and preparing reports about the degree of risk in lending money to clients
o Analyze client records and using the data to recommend payment plans
o Monitor loans for compliance.
o Draft models of credit information that predicts trends and patterns.
o Make a plan for annual credit review (twice a year).
o Other tasks assigned by management.
o Making recommendations about procedural/policy changes.