- Review and analyze credit applications from retail clients, including personal loans, mortgage loans, car loans, and credit cards or any other retail asset product.- Evaluate applicants’ creditworthiness based on financial statements, credit reports, and repayment history.- Ensure all credit decisions comply with bank policies, regulatory guidelines, and legal requirements.- Maintain adherence to risk management frameworks and escalate exceptions appropriately.- Approve, decline, or recommend credit applications within delegated authority limits.- Provide clear and concise justifications for decisions.- Liaise with internal teams, including sales and operations, to gather additional information or clarify documentation.- Communicate credit decisions and rationale to stakeholders promptly.- Maintain accurate and organized records of credit applications, decisions, and supporting documentation.- Prepare regular reports on credit assessments, trends, and portfolio performance.- Identify potential risks in credit applications and recommend mitigating strategies.- Stay informed about market trends and regulatory changes that may impact retail lending.- Provide exceptional service to customers by ensuring timely and professional handling of credit assessments.- Address customer queries and concerns related to credit applications.- Work closely with sales stakeholders for implementing sales requirements and strategy in line with the organizational risk appetite.