Credit Relationship Officer

• Client Relationship Management: Develop and maintain strong relationships with a portfolio of clients, acting as their primary contact for credit-related needs.
• Credit Analysis and Risk Assessment: Review and analyze credit applications, evaluate financial data, and assess the creditworthiness and risk associated with each client.
• Sales and Business Development: Identify and pursue new business opportunities, meet sales targets, and cross-sell banking products and services to existing clients.
• Loan Application Processing: Gather necessary documentation, prepare credit applications and records, and present them to the credit committee.
• Loan Monitoring and Compliance: Monitor existing loans, ensure compliance with bank policies and regulations, and manage loan renewals.
• Problem-Solving: Address client inquiries and resolve issues promptly.
• Internal Coordination: Liaise with internal teams, such as loan officers and collections departments, to ensure smooth operations.

Key skills and qualifications

• Financial Acumen: Strong analytical skills to assess financial data, understand credit risk, and calculate financial ratios.
• Client-Facing Skills: Excellent communication, negotiation, and interpersonal skills to build and maintain client relationships.
• Organizational Skills: Ability to manage multiple client accounts and tasks efficiently, with strong attention to detail.
• Technical Proficiency: Proficiency in Microsoft Office Suite and Customer Relationship Management (CRM) software.
• Education: Typically requires a bachelor's degree in a related field such as Finance, Banking, or Business Administration.