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Credit Reviewer

Overview, Education, Careers Types, Skills, Career Path, Resources

Credit Reviewers analyze creditworthiness for loan approvals. They assess financial risk, ensuring sound lending decisions and portfolio quality.

Average Salary

₹4,50,000

Growth

medium

Satisfaction

medium

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Functional Skills

Functional Skills are essential skills that help individuals perform tasks effectively in everyday life, work, and education.

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    Financial Statement Analysis
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    Credit Risk Assessment
    -
    Loan Structuring
    -
    Industry Knowledge
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    Regulatory Compliance
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    Documentation and Reporting
    -
    Negotiation Skills
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    Data Analysis and Modeling
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    Problem-Solving Skills
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    Communication Skills
Soft Skills

Communication, teamwork, and critical thinking to ensure seamless project execution.

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    Analytical Skills
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    Communication Skills
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    Attention to Detail
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    Risk Assessment
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    Decision-Making
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    Negotiation Skills
Technical Skills

Technical Skills are specialized abilities and knowledge needed to perform specific tasks or functions.

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    Financial Statement Analysis
    -
    Credit Risk Assessment
    -
    Industry Knowledge
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    Legal and Regulatory Compliance
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    Documentation and Reporting
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    Negotiation Skills
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    Data Analysis and Modeling
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    Accounting Principles
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    Loan Structuring
Duties and Responsiblities

Task

95%

Analyze financial statements and credit reports to assess the creditworthiness of loan applicants.

90%

Evaluate the risk associated with extending credit to individuals and businesses in the Indian market.

85%

Prepare detailed credit risk assessment reports and present findings to credit committees.

80%

Monitor loan portfolios for potential credit deterioration and recommend appropriate action.

75%

Ensure compliance with regulatory requirements and internal credit policies in India.

70%

Stay updated on industry trends and economic conditions that may impact credit risk in India.

65%

Collaborate with relationship managers to structure credit facilities that meet customer needs and mitigate risk.

60%

Conduct periodic reviews of existing credit facilities to ensure ongoing compliance and risk mitigation.

Work Activities

95%

Analyze balance sheets, income statements, and cash flow statements to assess creditworthiness.

92%

Evaluate the risk associated with lending to specific borrowers or industries.

90%

Assign credit scores based on financial data and credit history.

88%

Determine appropriate loan terms, collateral requirements, and repayment schedules.

85%

Conduct research on various industries to understand their financial health and outlook.

82%

Prepare and review credit agreements, ensuring compliance with regulations.

80%

Assess the value of assets pledged as collateral for loans.

78%

Monitor borrowers' financial performance and compliance with loan covenants.

75%

Ensure adherence to banking regulations and internal credit policies.

72%

Manage and monitor the overall credit portfolio to minimize risk.

70%

Communicate with borrowers to gather financial information and address concerns.

68%

Prepare credit reports and present findings to management.

Detailed Work Profile

Interests