• Assess loan application and quality check within defined guidelines and policies of each product.

• Conduct independent credit risk assessments on loan applications and submit to loan committee for approval.

• Conduct on site visit for necessary cases, including suspicious cases and accordingly providing independent observation.

• Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc.).

• Evaluate the financial status of clients including financial ratios, trend, cash flow analysis, and financial projections.

• Evaluate clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.

• Analyze the data and preparing reports about the degree of risk in lending money to clients.

• Analyze client records and using the data to recommend payment plans.

• Monitor loans for compliance.

• Draft models of credit information that predicts trends and patterns.

• Make a plan for annual credit review (twice a year).

• Making recommendations about procedural/policy changes.

• Perform other tasks as assigned by superior.

• Bachelor degree in Banking/Finance or any related field.

• Minimum of Three (3) years’ experience in the Assessment department or leasing company.

• Able to use Microsoft office (Word, Excel, PowerPoint) and Internet.

• Strong analytic and financial skills.

• Attention to details.

• Be honest, highly committed, and flexible.

• Able to work under pressure, independently as well as in team.

• Able to use English in speaking and writing (Good).