Representative (Credit)

· Analyze credit applications and financial documents to assess the creditworthiness of retail customers. · Evaluate financial statements, credit reports, and payment histories to identify potential risks. · Ensure all credit approvals and assessments align with company policies and regulatory guidelines. · Maintain adherence to industry best practices and legal requirements. · Implement and manage credit scoring models to standardize risk evaluation for retail clients. · Assign risk ratings based on predefined criteria and assessments. · Interact with customers to collect necessary documentation and clarify discrepancies in applications. · Provide clear explanations regarding approval or rejection decisions. · Regularly review existing customer credit limits and payment performance. · Generate reports summarizing risk trends, delinquencies, and portfolio health.

· Communication Skills

· Flexibility · Reliability · Time management · Ability to learn · Analytical Tools · Spreadsheets · Problem-Solving skills