Officer-Credit Review

To review and assess credit proposals and approve the loans Independently

To evaluate borrower financials, creditworthiness, repayment capacity and risk exposure.

To analyze loan structures, collateral adequacy and compliance with internal credit policies.

To recommend approval, modification or decline of credit facilities with clear justifications.

To work closely with business, credit risk and recovery teams to ensure balanced risk-return decisions.

To provide feedback and guidance to relationship managers to improve credit underwriting quality.