Credit Risk Management Officer

Key Responsibilities:

• Conduct credit risk assessments for new and existing clients.
• Analyze financial statements, credit data, and market conditions to evaluate repayment capacity.
• Support in setting credit limits, approving credit facilities, and monitoring exposures.
• Develop and implement credit risk models, scorecards, and stress testing where applicable.
• Ensure compliance with regulatory requirements and internal risk policies.
• Prepare detailed credit risk reports, highlighting exposures, trends, and risk mitigation strategies.
• Monitor portfolio performance, track delinquencies, and recommend corrective actions.
• Collaborate with Relationship Managers, Finance, and Legal teams to mitigate risks.
• Assist in developing and updating credit policies, procedures, and risk appetite frameworks.
• Participate in internal and regulatory audits relating to credit risk.

Qualifications & Skills:

• Bachelor’s degree in Finance, Accounting, Economics, or related field (Master’s preferred).
• Professional certification is a plus (FRM, CFA, PRM, CA, ACCA).
• 1-2 years of experience in credit risk, banking, or financial services (adjust for entry/senior roles).
• Strong knowledge of credit risk assessment techniques, financial analysis, and Basel regulations.
• Proficiency in MS Excel, financial modeling, and risk management systems.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills.
• Ability to work under pressure and meet deadlines.

Key Competencies:

• Risk Assessment & Analytical Skills
• Decision Making & Judgment
• Financial Acumen
• Attention to Detail
• Regulatory & Compliance Knowledge
• Collaboration & Stakeholder Management

Job Type: Full-time

Work Location: In person