SB Finance | Credit Officer | Underwriting

POSITION TITLE : CREDIT OFFICER REPORTS TO : CREDIT DECISION TEAM LEADER DIRECTLY SUPERVISES : N/A UNIT/DEPARMENT : UNDERWRITING DEPARTMENT DIVISION/ GROUP : RISK JOB SUMMARY The Credit Officer is responsible for evaluating consumer loan applications and performs verification as needed. Assess eligibility, determine degree of risk involved in extending credit or loan, provide data-driven decision and sound judgment PRINCIPAL DUTIES AND RESPONSIBILITIES Reviews and assesses consumer loan applications based on minimum risk acceptance criteria to determine eligibility Establish identity and capacity to pay based on investigation results, credit checking, and submitted documents, to determine feasibility of granting loan or credit Renders sound judgment and credit decision on consumer loan applications. Ensures compliance with policies and procedures using the operations manual and underwriting guidelines to control risk. Proactively propose initiatives to achieve or improve productivity, service delivery, and quality of work . It is accepted and understood that the employee may perform other related tasks which may be assigned from time to time. JOB QUALIFICATIONS Years of Work Experience: 2 years and up Educational Attainment/ Required course ( if applicable) : Bachelor’s Degree in Business Studies / Administration / Management, Commerce, Finance / Accountancy / Banking Required Certification/ Professional License ( if applicable ): Field of Specialization ( if applicable ): Banking and Financial, Credit Evaluation, Banking, Lending Companies, Financial Technology ( Fintech ) Knowledge and Skills Requirement: Knowledge on credit evaluation process Underwriting skills Time management Service-oriented Team player