Professional Staff Credit Risk Approval  

The Credit Risk Approval Analyst is responsible for assessing and approving credit risk for new and existing clients. This role involves analyzing credit applications, financial statements, and other relevant information to make sound lending decisions. The analyst works closely with relationship managers and credit analysts to ensure that all credit approvals align with the company’s risk appetite and regulatory guidelines.

1. Review and evaluate credit applications for individual and corporate clients, including financial statements, credit reports, cash flows, and other relevant data.
2. Identify, assess, and report potential credit risks, taking appropriate actions to mitigate them where possible.
3. Ensure accuracy and completeness of credit documentation, including compliance with internal policies and regulatory requirements.
4. Prepare and present regular reports on credit approvals, portfolio performance, and risk exposures to senior management.

1. Bachelor’s degree in finance, business, economics, or related field (Master's preferred).
2. 5 years of experience in credit analysis, lending, or risk management within a financial institution.
3. Strong understanding of financial statements, credit analysis, and risk assessment techniques.
4. Familiarity with regulatory requirements related to credit risk management.
5. Proficiency in financial analysis software and credit risk modeling tools.
6. Excellent analytical, decision-making, and communication skills.