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 are welcome to send their CV in PDF to: **@*********.** indicating "Credit Officer" in the subject line of the email, or send CVs to the Bank's Head Office at: 44/2 Hanrapetutyan Str., Yerevan 0010. Only shortlisted 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 salary, package of benefits for employees, including medical insurance and personal growth.

OPEN TO/ ELIGIBILITY CRITERIA: 

All qualified candidates.