Executive, Credit Assessment (Paksong)

Key Responsibilities:

• Credit Assessment and Verification: Assess microloan applications for creditworthiness, repayment capacity, and compliance with bank policies, ensuring timely recommendations.
• Understand and apply credit policies, product features, and end-to-end loan processing procedures in assessments.
• Risk Identification & Mitigation: Identify potential credit risks and recommend appropriate mitigation measures.
• Site Visit: Conduct site visits where submitted documents are insufficient or cannot be verified to complete assessments.
• Credit Approval Recommendation: Recommend loans via the online platform to the verifier or delegated authority limits.
• Process Improvement: Suggest improvements to enhance efficiency, accuracy, and compliance of the microloan credit assessment process.
• Escalation: Escalate credit issues beyond authority to Unit Head or Department Head.

Qualifications:

Skill and Knowledge

• Bachelor's degree in finance, accounting, or a related field
• Strong analytical skills and attention to detail
• Ability to act promptly and make decisions under tight turnaround timelines
• Experience using financial systems and Microsoft Office, particularly Excel
• Good communication, coordination, and team collaboration skills
• Understanding about microloan products and credit assessment methodologies

Personal Characteristics

• Integrity
• Accountability
• Strong commitment
• Well collaboration with team
• Have growth mind set
• Ability to work under pressure