Main Responsibility: Evaluate and review business loan applications. The LCPU Senior Associate will assist in assessing the creditworthiness of applicants to ensure timely loan approvals and efficient processing.

Duties and Responsibilities

Loan Application Review and Documentation: Review and validate documentary requirements for loan applications endorsed by Team 1 (UI) and Team 3 (UFII), ensuring completeness and compliance with internal standards. Financial and Credit Analysis: Prepare financial spreadsheets and evaluate the applicant’s financial performance based on submitted documents. Assess creditworthiness by analyzing financial health, cash flow capacity, business viability, and related party risks. Credit Evaluation and Recommendation: Process credit evaluation requests and prepare well-supported recommendations on loan structure, credit terms, and limits. Develop comprehensive credit analysis reports, including financial projections (if necessary), and borrower’s risk rating using standard internal template. Portfolio Management and Monitoring: Monitor approved credit lines, track expiry and utilization, and recommend adjustments to credit limits based on updated analysis. Coordination and Collaboration: Work closely with the Credit and Collection Unit to facilitate appraisals and credit investigations. Participate in client calls and meetings with Account Officers to gather insights for business and credit evaluation. Other Duties: Perform other tasks and special assignments as may be required to support the department’s objectives and the organization’s strategic goals.