COMPLETE RB - Collection & Underwriting:CPC Credit Officer - SBB Credit

About Retail Lending:

The Retail Lending department focuses on the lending business of the bank by offering various loan products like home loans, car loans, and personal loans among others. They also offer working capital loans and business loans for small businesses and is also responsible for the rural lending business of the bank

About the Role:

The credit officer is responsible for the appraisal and approval of the loan application on the basis of the power delegated to the and for onward recommendation of the same to the credit team

Key Responsibilities

·Appraise or underwrite the loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority

·Assess the income, ability, intention, & credit behavior of the applicant and verify it documents & reference checks as well as from credit bureaus

·Evaluate all the credit risk parameters and implement measures to mitigate the same

·Prepare the Credit Approval Memo and manage the overall TAT and approval rate

·Ensure complete adherence to the laid down policy and procedure / process

Qualifications:

Optimal qualification for success on the job is:

·Diploma/ Graduation from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

·Knowledge of credit, banking regulations and norms

·Maintain a high level of knowledge of banking products and services

·Good communication (both verbal and written) skill in both English and the local language

·Ability to handle pressure and meet deadlines

Skills

·Knowledge of credit, banking regulations and norms

·Maintain a high level of knowledge of banking products and services

Experience Required: 2-5 Yrs