Jobs and Careers

JOB DESCRIPTION: 

The Credit Officer will be responsible for creditworthiness evaluation and analysis and will cross-check the financial documents submitted by customers to be reviewed during the examination of loan applications.

RESPONSIBILITIES: 

- Actively promote the Bank's loan products;
- Responsible for consultancy for customers on required documents, loan terms and conditions;
- Collect and verify the financial information submitted by customers;
- Review and analyze financial statements;
- Identify potential customers' needs and their appropriate management;
- Monitor the status of applications;
- Analyze due diligence data, using financial ratios, client credit histories, resale value of collateral, etc.;
- Prepare and present required reports and documentation to the necessary signatories;
- Evaluate the credit risk of clients before the credit committee;
- Educate borrowers and guarantors of their rights and obligations including all aspects of servicing the loan (repayment schedule and terms, indexing, etc.);
- Make collections and track loan repayments;
- Ensure that payments are made on time and in the correct amount.

REQUIRED QUALIFICATIONS: 

- Higher education in the fields of Economics or Finance;
- At least 2 years of work experience in the banking system as a Credit Officer;
- Computer skills; experience in working with Armenian Software;
- Awareness of business lending and individual lending procedures; good knowledge of Armenian Banking Legislation;
- Strong interpersonal and communication skills; strong work ethics;
- Ability to work in a team;
- Problem-solving and decision-making skills, high sense of responsibility;
- Excellent knowledge of Armenian language;
- Good knowledge of Russian and English languages is a plus.

APPLICATION PROCEDURES: 

Interested applicants should submit their CVs in the Armenian language to: **@*********.** indicating "Credit Officer" in the subject line of the e-mail, or send CVs to the Bank's Head Office at: 44/2 Hanrapetutyan Str., Yerevan 0010. Only short-listed candidates will be interviewed.

Please clearly mention in your application letter that you learned of this announcement through Career Center and mention the URL of its website - www.careercenter.am. Thanks.

REMUNERATION/ SALARY: 

Competitive

OPEN TO/ ELIGIBILITY CRITERIA: 

All qualified candidates.