Credit Review Officer

Palmpay Pvt Ltd is seeking a diligent and detail-oriented credit review officer to join our team.
The Credit Review Officer will play a pivotal role in analyzing customer data, performing credit risk assessments, and ensuring compliance with regulatory standards, including KYC protocols. This position requires strong decision-making skills to approve or reject credit applications and to identify potential risks that may impact the organization's financial stability. The ideal candidate has at least one year of experience in credit review or customer service roles and demonstrates proficiency in credit risk modeling and data analysis.

Responsibilities

Conduct comprehensive credit risk assessments to evaluate the creditworthiness of loan applicants.
Analyze financial documents and customer information to identify potential risks and ensure data accuracy.
Implement and maintain credit risk models to support informed decision making.
Perform customer due diligence in compliance with KYC regulations to mitigate fraud and financial crimes.
Prepare detailed reports on credit review findings and present them to management for further action.
Collaborate with customer service and other internal teams to gather relevant information and resolve credit-related issues.
Make decisions regarding credit approval or rejection based on analysis and organizational policies.
Monitor existing credit accounts to detect signs of financial distress or noncompliance with loan agreements.
Assist in the continuous improvement of credit review policies and procedures to enhance efficiency and accuracy.
Ensure adherence to all regulatory requirements and internal controls related to credit risk management.