A credit officer should have the following characteristics---
1. Theoretical knowledge about loan operation
rules & regulation
2. Must be concerned about last update circular about
loan operation rules & Regulation given by government and Bangladesh.
3. Must
be concerned about own bank rules-regulations & program schedule about loan.
4. Know and carryout the empowerment power
of bank.
5. Methodological knowledge and skill about lending operation—
a) Credit planning
b) Marketing: borrower selection
c) evaluating
d) Processing
e) sanctioning
f) Documentation
g) disbursing
h) Monitoring & follow-up
i) Recovery activities—cash recovery, regularization, legal action, negotiation
j) classification
k) Reporting