Credit Officer

• Assess client’s qualifications to receive loans applied for based on the credit policy manual. Interview clients to clearly explain the lending procedures and requirements of EFL.  
• Ensure that all required documents for loan processing are prepared and submitted to the credit committee for approvals. Advises clients on necessary

• Ensures that all loan application forms are processed in line with the prescribed timelines as per the Credit Policy.  
• Conducts risk assessments to ensure optimum recovery of funds disbursed. 
• Advises management on reviews of loan policies and procedures to ensure they are consistent and capable of delivering the strategy of the company. 
• Stay abreast with new types of loans, financial services and products in order to best meet clients’ needs. 
• Develops on-going relationships between the company and the clients with the objectives of achieving high levels of customer loyalty and satisfaction. 
• Handle customer complaints and take appropriate action to resolve them. 
• Ensure all filing of credit and loan information is done in a timely and accurate manner.  Follow up on loans outstanding he/she is responsible for, regularly providing a report to the credit administrator or designated official.  
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• Please refer to the accompanying Performance Agreement form/Scorecard  

• A Bachelor’s Degree in any business-related course preferably Business Administration from a reputable University. 
• Essential Knowledge and Experience
• Fresh graduate. 
• Must be able to ride a motorcycle and should possess a valid riding license or willing to learn within the 1 st month of engagement. 
• Should be fluent in the commonly used local languages and ready to work in any of our branches. 
• Should be aged between 22 – 25 years of age.  

• Ability to plan, organize and prioritize work. 

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• Self-driven and result - oriented 
• Demonstrate the highest level of ethical behavior. 
• Remain flexible in order to adapt to changes in work environment. 
• Maintain confidentiality of sensitive information. 
• Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy. 
• Basic computer skills, including e-mail, word processing and spreadsheets. 
• Excellent interpersonal skills to facilitate interaction with the clients and other staff.

How to Apply:

All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section