Description
Key Responsibilities

• Credit Assessment & Approval: Evaluate and approve/reject credit applications for customers, including commercial and residential clients, based on credit history, financial statements, and risk analysis.

• Credit Policy Management: Develop, implement, and monitor company credit policies, including credit limits, payment terms, and collection procedures.

• Accounts Receivable Oversight: Monitor open accounts, track payments, and initiate collection actions for overdue balances.

• Risk Management: Assess financial risk using credit scoring models, debt-to-income ratios, and other metrics; recommend policy changes to reduce bad debt exposure.

• Compliance: Ensure adherence to credit regulations such as the Fair Credit Reporting Act (FCRA) and other applicable laws.

• Collaboration: Work with sales, accounting, and collections teams to resolve disputes, set credit terms, and improve credit risk ma...