
Credit Officer
4 weeks ago
Form ID: AR/CHR/22-23/
JOB DESCRIPTION
1. JOB DETAILS
Position title:Credit Officer
Department:Credit Department
Reports to:Central Credit Manager (CCM)
Location:Kolkata
Band / GradeSr. Executive/Asst. Manager
JOB SUMMARY
Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan.
- Fill all the form & formats with due quality checks, complete eligibility analysis.
- Conduct Tele PD/Video PD as per our policy.
- Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower).
- Check bank statement and business proof along with validation of it.
- Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials.
- Loan recommendation based on income assessment/cash flow
- In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time.
3. JOB PROFILE5.
Description
Credit Processing
- Quality Check as per Credit Check list
- Credit Bureau Checks & check Repayment capacity
- Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents.
- Verification of business proof and vintage.
- Reference check of customer regarding business
- Conducting Tele PD/Video PD
- Recommendation based on income assessment
Training
- Provide training to branch staff and inductees
Portfolio management
- Ensures high quality portfolio by taking preventive and curative measures
- Helps branches in tackling over dues
- Keep track of product delinquency
- Take steps to reduce delinquency levels
Reporting and MIS entry
- Timely MIS reporting
- Review records and registers pertaining to Bazaar HTS loan maintained at the branch
4. PERFORMANCE INDICATORS
- Business performance (Adherence to turn around time etc.)
- Portfolio quality
- Internal control findings
- Feedback from reporting officer
- Feedback from colleagues and other department
5. QUALIFICATION, EXPERIENCE, SKILLS
Minimum Qualifications: Graduate (Preferred B.com)
Minimum Experience: 5 years of credit experience in same product
Skills: Good communication and interpersonal skills
Key Competencies required: Credit appraisal experience in Micro enterprise loan
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