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Job Description: Evaluating Creditworthiness: Analyzing financial statements (balance sheets, profit & loss, cash flow statements), assessing credit history, and using credit scoring models to determine the likelihood of loan repayment. Managing Credit Risk: Developing and implementing credit policies and strategies, monitoring portfolio performance, identifying and mitigating potential risks, and ensuring compliance with regulations. Approving Loans: Making decisions on loan applications based on creditworthiness assessments, adhering to company policies and guidelines, and ensuring proper documentation. Monitoring Loan Performance: Tracking loan disbursements, ensuring timely payments, managing collections, and addressing any deviations or delinquencies. Liaising with Stakeholders: Coordinating with business development teams, legal departments, technical teams, and external agencies like lawyers and valuers. Developing Credit Policies: Creating and updating credit policies and procedures, ensuring they are aligned with business strategies and risk frameworks. Team Management: In some cases, managing a team of credit analysts or other specialists, providing guidance and training. Compliance: Ensuring compliance with all relevant regulations and internal policies, participating in audits, and maintaining accurate records. Business Development: Identifying potential business opportunities and contributing to the growth of the organization's construction finance portfolio. .