Position Overview:


Our client is seeking a highly analytical and experienced Credit Assessment Manager to lead their credit evaluation processes. The ideal candidate will be responsible for overseeing the credit assessment team, ensuring sound credit decisions, and maintaining high credit quality standards aligned with the company's risk appetite. This role requires strong leadership, in-depth knowledge of credit risk, and excellent analytical skills.


Key Responsibilities:


Lead and manage the credit assessment team in evaluating loan applications and analyzing customer risk profiles.
Develop, implement, and continuously improve credit assessment policies, tools, and procedures.
Ensure timely and accurate review of credit requests in line with the company’s credit risk appetite and approval matrix.
Train, coach, and mentor credit assessment officers to enhance team capabilities and consistency in evaluations.
Collaborate with Sales, Risk, and Legal departments to ensure alignment of credit decisions with overall business goals.
Monitor trends and changes in the credit environment and provide strategic recommendations to management.
Support the development and enhancement of automated credit scoring tools and systems to improve accuracy and efficiency.


Requirements:


Bachelor’s degree in Finance, Accounting, Economics, or a related field (Master’s degree or professional certifications such as CFA, CPA, or FRM is a plus).
Minimum of 2 years of experience in credit assessment or credit risk management, preferably within a financial institution or lending environment.
Proven leadership experience in managing credit teams.
Strong knowledge of financial analysis, risk assessment methodologies, and credit policy frameworks.
Excellent analytical, decision-making, and problem-solving abilities.
Strong interpersonal and communication skills.