1. Examination of applications (requests) on credit operations / changes / reviews / restructuring of credit operations with Clients, assessment of Clients’ capability of service and repayment of loans / fulfilment of obligations, collateral structure and other conditions for decrease of risk.2. Assessment of solvency and creditworthiness of Clients (borrowers).3. Taking the decision on performing Clients’ credit operation in accordance with authority that is provided to him/her by the Chief Risk Officer / Head of Retail Credit Operations Department (according to the order).4. Preparation of conclusions and proposals on credit operations / changes / reviews / restructuring of credit operations with Clients. Submission the materials for further considering of relevant authorities / authorized persons (in cases defined by Bank's internal documents).5. Preparation of reports within his/her competence.6. Keeping up to date analytical parameters that are entered to Bank’s information systems and relate to the competence of the Section (in accordance with Bank’s internal documents). 7. Preparation of materials about credit work organization in the Bank for audit companies, NBU and other controlling authorities (within Section’s competence).8. Participation in development and implementation of credit policies, rules and procedures and credit risk management tools.9. Monitoring of the current Ukrainian legislation with the purpose of its usage for daily activities and development of internal documents of the Bank on issues within the competence of the Section10. Participation in the preparation of information as to the particular issues of the Bank’s credit activity for its further submission for consideration of the Bank’s management, Credit and Investment Committee and the Management Board of the Bank, respective units of UniCredit Group / Bank Austria.11.Participation in trainings and internships of employees of Regions, within Section’s competence