Job Description

• Review loan applications and documentation for accuracy, completeness, and compliance with established lending policies, confirm the purpose and qualification of customer loans, assess the repayment ability and credit status of customers, and ensure the quality of approval and risk control ;
• For cases with doubts, initiate requests for supplementary materials and further verification, comprehensively evaluate the borrower's repayment ability and risk level, and issue preliminary review opinions;
• Monitor loan portfolios to identify early signs of credit deterioration, assess risk ratings, and recommend appropriate remedial actions.
• Participate in credit committee meetings and provide insights on credit-related matters. Assist in the development and enhancement of credit risk assessment models and tools.
• Stay updated on industry trends, market conditions, and regulatory changes impacting the auto finance industry.
• Ensure strict compliance with internal credit policies, procedures, and regulatory standards.
• Collaborate with other departments, such as sales and collections, to address credit-related concerns and provide guidance.
• Provide support during loan audits, examinations, and regulatory reviews.

Job Requirements

• Degree in Finance, Accounting, Economics, Business Administration, or equivalent experience.
• At least 1 year of experience in credit assessment, credit analysis, or loan approval, preferably in hire purchase / auto finance.
• Solid understanding of hire purchase lending principles, financial statement analysis, and credit risk management.
• Familiarity with credit bureau reports, scoring models, and regulatory requirements (KYC/AML).
• Strong analytical skills with the ability to make sound and objective credit decisions.
• Able to handle multiple tasks in a fast-paced environment and meet deadlines.
• High integrity, professionalism, and attention to detail.
• Proficient in Microsoft Office; experience with credit processing systems is an advantage.
• Good communication and interpersonal skills to work across departments.

Skills