Assessing the financial status, payment history, and creditworthiness of individuals or businesses applying for credit.Identifying and evaluating potential risks associated with extending credit, such as default risk, market risk, and concentration risk.Developing and implementing credit policies and procedures in line with the company's objectives and regulatory requirements.Making informed decisions regarding credit approvals, limits, and terms based on thorough analysis and risk assessment.Monitoring existing credit accounts to ensure compliance with terms and conditions, and conducting periodic reviews of credit portfolios.Building and maintaining relationships with clients, sales teams, and other stakeholders to facilitate the credit process and resolve any issues.Ensuring compliance with relevant laws, regulations, and internal policies governing credit operations.Providing regular reports and analysis to management on credit performance, trends, and portfolio quality.