Retail & SME Credit Officer at LEAD Enterprise Support Company Limited

Job Summary

This is an exciting opportunity for a motivated professional to drive business growth in a retail and SME lending environment. Working closely with the Unit Head, you will identify high-potential commercial loan opportunities, develop competitive products, and mobilize resources to secure a strong market presence. Success in this role will be measured by your ability to consistently win new business, expand the customer base, and maximize revenue, while maintaining Portfolio at Risk (PAR) below 5.0% to ensure sound credit quality and sustainability.

Key Responsibilities

• Identify and develop new loan opportunities through market analysis and referral networks
• Engage prospects, evaluate creditworthiness, and structure suitable loan products
• Guide clients through the loan process, compute repayment schedules, and provide financial advice
• Monitor loan performance, follow up with clients, and ensure credit facilities are properly utilized
• Review loan agreements, maintain accurate records, and safeguard collaterals

Required Qualifications

• Bachelor's degree in Business, Finance, Economics, or related field
• 3–4 years' experience in lending, credit, or financial services
• Strong credit analysis and risk management skills
• Solid understanding of financial statements and ability to conduct cash flow and repayment capacity analysis
• Proficiency in MS Office applications (Excel, Word, PowerPoint)

Key Competencies

• Excellent communication, negotiation, and client relationship skills
• Strong interpersonal skills with the ability to build lasting client relationships
• Target-driven with high integrity and strong attention to detail