We are looking for a knowledgeable and detail-oriented Credit Officer to join our financial institution. The ideal candidate will be responsible for assessing and managing the creditworthiness of loan applicants, ensuring compliance with lending policies, and minimizing the risk of default. This role requires strong analytical skills and the ability to make sound financial decisions while providing excellent customer service.

Responsibilities:

• Review and analyze credit applications and financial statements to assess the creditworthiness of individuals and businesses
• Conduct thorough risk assessments, including credit history, income verification, and collateral evaluation
• Make informed recommendations on loan approvals, denials, or adjustments to credit terms
• Communicate with applicants to gather necessary information and clarify any discrepancies
• Ensure compliance with internal lending policies and regulatory requirements
• Maintain accurate and organized records of all credit evaluations and decisions
• Collaborate with loan officers and other departments to facilitate a smooth loan application process
• Monitor and review existing loan accounts to identify potential risks and manage delinquent accounts
• Prepare reports on credit trends, loan performance, and risk exposure for management review
• Stay updated on industry trends, credit regulations, and best practices in credit management

Requirements:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
• 2-4 years of experience in credit analysis, lending, or financial services
• Strong analytical skills and attention to detail
• Proficiency in financial analysis tools and software, as well as Microsoft Office Suite
• Excellent communication and interpersonal skills to interact effectively with clients and team members
• Ability to make sound decisions under pressure and manage multiple tasks effectively
• Knowledge of credit risk management and lending regulations

Work Environment:

• Office-based with potential for hybrid work options
• Fast-paced and dynamic environment with frequent deadlines
• Collaborative team atmosphere with opportunities for professional growth and development

Equal Opportunity Employer Statement:
We are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, gender, disability, or any other protected characteristic.