I hold a Higher Certificate in Economic and Management Science and am a Credit Assessor with over 23 years of working experience. My expertise lies in evaluating credit applications, analyzing financial statements, and assessing creditworthiness, and have extensive experience in conducting thorough credit investigations, including assessing credit reports, debt-to-income ratios, and collateral evaluations. I have strong knowledge of credit policies, procedures, and regulatory compliance requirements, and am well-versed in utilizing data-driven analysis and sound judgment to make informed credit decisions. My core competencies include credit analysis, risk assessment, financial analysis, cash flow analysis, document management, application management, query management, and customer service. I have also successfully completed the RE5 Regulatory Examination for representatives in all categories for FSPs.