Senior Officer (Credit Initiation)

1. Credit Application Processing

• Review and process credit applications submitted from branches and sales channels
• Verify completeness and accuracy of customer documents and application data
• Ensure all required documents are collected in accordance with company policies and regulatory requirements
• Validate customer information through internal systems and approved verification tools

2. Credit Assessment Support

• Perform initial assessment of customer eligibility based on approved credit criteria
• Review customer profiles, income documents, liabilities, and repayment capacity
• Escalate suspicious or high-risk cases to the concerned teams (Fraud, Risk, or Credit Policy)
• Ensure compliance with delegated authority matrix and approval workflow

3. System & Data Validation

• Accurately input and update customer data within the system
• Ensure consistency between physical documents and system records
• Identify and correct data discrepancies before submission for final approval

4. Compliance & Policy Adherence

• Ensure all cases comply with:
• Internal credit policies
• Operational procedures
• Regulatory requirements
• Maintain confidentiality and security of customer information and documents
• Support compliance reviews and audit requirements when requested

6. Coordination & Communication

• Coordinate with branches, sales teams, customer service, and supporting departments to resolve pending issues
• Follow up on missing documents or required clarifications
• Support smooth communication between operational units involved in the credit cycle

What will you need?

·        Educational Background: Bachelor’s degree in finance, accounting, or a related field.

·       Experience: Minimum

o   2-3 years of credit senior, team leader, or job work experience in a recognized Consumer Finance & Financial Services.

o   1 year of experience in a leadership role

·       Technical Proficiency:

• Strong analytical and attention-to-detail skills
• Good understanding of credit and operational procedures
• Time management and multitasking abilities
• Effective communication and coordination skills
• Problem-solving mindset

o   Proficiency in Microsoft Office and operational systems

o   In-depth knowledge of the CF’s credit procedures and policies

o   Advanced knowledge of MS Excel & PowerPoint