Credit Risk Analyst: B2C Rural Credit

3 weeks ago


Indore, Madhya Pradesh, India Axis Bank Full time
Job Title: Credit Officer - B2C Rural Credit

The Credit Officer is responsible for the appraisal and approval of loan applications based on delegated powers and recommending them to the credit team.

Key Responsibilities:
  • Appraise or underwrite loans within defined policy guidelines and make decisions or recommend approval to the appropriate authority.
  • Assess the income, ability, intention, and credit behavior of applicants and verify documents and reference checks, as well as credit bureau information.
  • Evaluate all credit risk parameters and implement measures to mitigate them.
  • Prepare the Credit Approval Memo and manage the overall TAT and approval rate.
  • Ensure complete adherence to 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) skills in both English and the local language.
  • Ability to handle pressure and meet deadlines.

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