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1

credit officer

  • Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
  • Review and update credit and loan files.
  • Submit applications to credit analysts for verification and recommendation.
  • Assess clients’ overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information.
  • Calculate clients’ available monthly income to meet debt obligations.
  • Interview clients by telephone or in person to gather financial information.
  • Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
2

credit officer

  • Obtain and compile copies of hire applicants’ credit histories,  financial statements, and clients identification documents.
  • Meet with applicants to obtain information for hire purchase applications and to answer questions about the process.
  • Explain to customers the different types of hire purchase and credit options that are available, as well as the terms of those services.
  • Review Hire Purchase agreements to ensure that they are complete and accurate according to policy.
  • Stay abreast of new types of products and other financial services and products to better meet customers’ needs.
  • Negotiate payment arrangements with customers who have delinquent hire purchase.
  • Explain agreement information to clients, such as available hire purchase and loan types, eligibility requirements, or loan restrictions.
3

credit officer

  • Record maintenance of client’s cheques.
  • Follow up on pending loans and delayed client payments.
  • Any other operational task assigned by line manager.
  • Ditributor of different types of loans
4

credit officer

  • Assessing and verifying the client’s financial information through CIBIL, KYC and other essential parameters.
  • Examine, evaluate, or process the loan applications.
  • Helping the client get through complex loan process and further disbursement of the loan. 
  • Prepare operational or risk reports for management analysis. 
5

credit officer

  • Responsible for 1800 active accounts –(nationally, including major accounts Coles Myer & Woolworths).
  • Forecasting of weekly  cash flow and weekly debtors reports.
  • Develop key processes and implementing procedures in the department.
  • Maintain the accuracy of the GL sub-ledger so that it adequately reflects level of debt outstanding.
  • Attend regular credit meetings with other companies in industry.
  • Organise payment schedule with debtor.
  • Maintenance of accounts, customer service enquires.