Credit Officer

Job Duties:

• Credit recommending and sanctioning authority, responsible for analysis of loans as

per the Policy Manual

• Accountable for the credit quality of the loan underwritten and portfolio, including the

due diligence, of the portfolio included in their markets.

• Ensuring accurate and appropriate analysis of applicant's credentials, including

financial analysis & various associated financial ratios for credit decision, as per the

Policy Manual.

• Responsible for initiating personal Discussion before recommending proposal besides

recording all the factual events/observations/discussions to facilitate credit decision

by the sanctioning authority

• Preparing and monitoring system related MIS and data updating for the requirement

of the administration of the loans as per the Loan Policy Manual.

• Being the first person verifying the post disbursement documentation completion and

compliance of all conditions including the sanction terms and conditions stipulated on

deals.

• Visits to outstation branches/units as per the instructions of the competent authority

in relation to the matters connected with Credit Appraisal/PD/Sanction matters.

Required Skills:

• Excellent communication and interpersonal skills

• Ability to communicate and function professionally with all levels of personnel and

Business partners across the organization

• Excellent customer contact skills; comfortable asking questions/ interviewing

customers about their financial situation

• Able to take full ownership of issues until they are completely resolved

• Attention to detail

• Good observation and listening skills

Education Qualification:

Candidate should have completed Graduation - Prefer local candidate only.