Credit Risk Operations Officer
Overview
Job Details:
Review loan disbursement information in the system and verify that approved amounts, repayment terms, conditions, and other details match the authorized agreements.
Record and reconcile loan-related payments received through banking channels against the corresponding customer accounts and issued loans.
Confirm that all required documents, approvals, validations, and verification steps are completed before funds are released to customers.
Maintain complete and accurate customer and loan information in the credit management system and ensure records are regularly updated.
Thoroughly examine disbursement documents and supporting records to reduce processing errors, maintain data accuracy, and minimize financial risk.
Monitor daily loan disbursement transactions and report unusual entries, mismatches, or other irregularities for appropriate review and investigation.
Review and update customer information while ensuring data accuracy and compliance with internal procedures and requirements.
Coordinate with branch teams and relevant departments to obtain corrections, complete validations, and update loan processing information when necessary.
Ensure all loan disbursement activities follow established company policies, internal controls, and applicable regulatory requirements.
Support efficient credit operations by processing disbursements within required timelines and maintaining proper coordination between relevant teams.
Prepare routine reports and summaries related to loan disbursement volumes, transactions, reconciliations, and other assigned activities when required.
Job Experience Requirements
Bachelor’s degree in Finance, Economics, Accounting, Banking, or a related field.
Practical experience in lending operations, loan processing, credit administration, disbursement, or financial services is required.
Good understanding of credit management systems, loan processing procedures, financial transactions, and basic reconciliation processes.
Strong numerical and analytical abilities with excellent attention to detail and a high level of accuracy when handling financial information.
Good verbal and written communication skills with the ability to coordinate effectively with branch teams and other departments.
Strong problem-solving and analytical approach with the ability to identify discrepancies and take appropriate corrective action.
Ability to work effectively under pressure, manage time-sensitive transactions, and consistently meet strict processing deadlines.
Good knowledge of Microsoft Office applications and familiarity with relevant banking, lending, or financial software and systems.
About Company:
ZCREATIX is a modern and growth-oriented organization focused on delivering high-quality results across multiple industries. We value creativity, innovation, and teamwork, and we are looking for motivated individuals who want to grow professionally while contributing to impactful projects in a fast-paced environment.