Credit Officer

2 weeks ago

Ernakulam, India Malankara Multistate Cooperative Credit Society Ltd Full time

A Credit Officer is supports for speedy documentation activities in the concerned Lap proposals disbursement. It will be an additional support to the Business correspondent and sales officers in the concerned area to achieve their targets.

i) All Officer should report in station branch before 9.30 am

ii) Collect the daily work allocation from Product Head

iii) Preparing MIS of Login proposals and Login pending proposals and coordinate with sales team for moving forward to disbursement level

iv) As a initial stage of a loan proposal take crif reqest send by sales officers with the support of Kyc and an extract of applicant (prepared by Sales officer) and inform concerned officer /BC if it possible or not

v) If crif report is positive also send the check list to concerned officer or BC to collect the documents

vi) Follow up concerned BC or sales officer the crif positive files are login with HO within 7 days.

vii) Scrutinising the documents and conduct tele verification with applicant

viii) Make arrangements to Field verification of Business/Job and Address

ix) Ensure Legal and Valuation charge paid by FI positive applicants

x) Send the details to concerned empanelled valuator and legal adviser and collect timely report from them.

xi) Analyse all documents and support and instruct credit executives to preparing loan proposal and submit it to credit head and Vice president and subsequently clear additional queries

xii) If file forwarded to subcommittee ,prepare sanction letter copy to be approved from committee

xiii) Do necessary arrangements to collect the original documents and wetting it with concerned legal adviser

xiv) Fix a date for loan disbursement and inform the other documents have to bring by applicant and other loan parties.

xv) Instruct credit executive to prepare loan agreement and other documents to execute loan agreement, Mod and also membership

xvi) Disbursement of loan to applicant savings account

xvii) Do needful to transfer the amount to applicants savings account after collecting updated EC and executing agreement for deposit of tittle deeds in concerned Registrar office

xviii) Ensure proper Emi date reminder communicated to applicant before 10 days ,5 days intervals

xix) Prepare necessary data required Business/Collection/Overdue/BC payouts/Leads..etc

xx) Clear audit queries with the support of sales team within the time frame

xxi) Give maximum support to customer from document collection time to the time of disbursement

xxii) Do needful for registering agreement for deposit of tittle deeds in concerned Registrar office in Big Lap FILES.

xxiii) Do any additional duties instructed by department Heads within proper time

**Salary**: ₹10,133.98 - ₹18,000.00 per month

**Benefits**:

- Cell phone reimbursement

Schedule:

- Morning shift

Supplemental pay types:

- Performance bonus

Ability to commute/relocate:

- Kochi, Ernakulam - 682019, Kerala: Reliably commute or planning to relocate before starting work (required)

**Experience**:

- total work: 1 year (preferred)

**Speak with the employer**
+91 9072597 488

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