ResponsibilitiesResearch and evaluate clients’ creditworthinessCreate credit scoring models to predict risksApprove or reject loan requests, based on credibility and potential revenues and lossesCalculate and set interest ratesNegotiate loan terms with clientsMonitor paymentsMaintain records of loan applicationsFollow up with clients to manage debt settlements and loan renewalsEnsure all lending procedures comply with regulationsDevelop, review and update our company’s credit policiesskillsProven work experience as a Credit Manager, Credit Analyst or similar roleHands-on experience with accounting softwareSolid understanding of lending proceduresExcellent analytical skills, with the ability to create and process financial spreadsheetsNegotiation skillsMBA in strategic management .