Credit Officer
6 months ago
**Responsibilities**:
- Conduct thorough financial analysis and risk assessment to determine the feasibility and potential risks of granting loans.
- Verify applicant information and documentation to ensure accuracy and compliance with regulatory requirements.
- Collaborate with applicants, relationship managers, and other internal teams to gather necessary information and documents for loan processing.
- Analyze market and industry trends to make informed decisions regarding loan approvals and terms.
- Prepare comprehensive credit proposals and recommendations for loan committees or management review.
- Review loan agreements and documentation to ensure accuracy and completeness.
- Ensure compliance with internal policies, procedures, and regulatory guidelines throughout the loan processing lifecycle.
- Monitor and manage the loan portfolio, including tracking repayment schedules, collateral values, and any changes in borrower financial circumstances.
- Stay updated on industry best practices, regulatory changes, and market conditions that may impact the credit assessment and loan processing procedures.
- Collaborate with other departments, such as risk management and legal, to ensure a holistic approach to credit evaluation and risk mitigation.
- Participate in training and development opportunities to enhance credit analysis and loan processing skills.
**Qualifications**:
- Bachelor's degree in Finance, Business Administration, or a related field.
- Minimum of 3 years of experience in credit analysis and loan processing within a banking or financial institution.
- Strong understanding of financial statements, credit risk assessment, and lending principles.
- Proficiency in using financial analysis tools and software.
- Excellent attention to detail and analytical skills.
- Effective communication and interpersonal skills.
- Knowledge of regulatory requirements and compliance related to loan processing.
- Ability to work under pressure and meet deadlines in a fast-paced environment.
- Strong decision-making skills based on accurate and thorough analysis.
- Professional demeanor and customer-focused approach.
**Application Process**: To apply, please submit your updated resume
**Salary**: ₹50,000.00 - ₹62,000.00 per month
**Benefits**:
- Internet reimbursement
Schedule:
- Day shift
Supplemental pay types:
- Yearly bonus
Ability to commute/relocate:
- New Delhi, Delhi: Reliably commute or planning to relocate before starting work (required)
**Education**:
- Bachelor's (preferred)
**Experience**:
- total work: 3 years (preferred)
Work Location: In person
**Speak with the employer**
+91 9582821470
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