Determines the creditworthiness and risk profile of an individual or business by analyzing their financial data and submitted proof of income and deciding whether or not to reloan or renew the existing account.
Task involves : Familiarize the Loan Products of the bank. Determines lacking requirements & necessary validation of various accounts.
Research related business of assign accounts. Trade checking of Top Customers & Suppliers of client. Analyze the information given in detailed.
Comparing the declared details by client / Marketing versus Credit Investigator validation / report. Creating a cashflow analysis based on submitted and / or proof of income / CI validation.
Can decide well in recommending accounts either approval or disapproval based on above processes with conclusion as support of decision.
Can do Multi-tasking & other task that Credit Head may assign to him / her.