Senior Credit Analyst

24 hours ago


Vijayawada, Andhra Pradesh, India beBeeCredit Full time ₹ 1,04,000 - ₹ 1,30,878

As a seasoned financial expert, you will play a pivotal role in overseeing the credit assessment and approval process for home loans, Loan Against Property (LAP), and Non-Residential Property (NRP) cases.

Key Responsibilities
  • Credit Assessment & Approval: Conduct thorough credit assessments for home loan, LAP, and NRP applications for both self-employed and salaried customers. Prepare comprehensive Credit Appraisal Memos (CAMs) and proposal notes. Approve cases up to the assigned limit and recommend high-value cases to senior management.
  • Risk Management: Identify and mitigate risks associated with each loan proposal. Ensure all proposals adhere to legal, technical, and regulatory requirements.
  • Portfolio & Quality Control: Maintain a portfolio of lenders and ensure loan quality meets bank standards.
  • Team & Operations Management: Manage branch dockets for the disbursement process. Lead a team and Credit Processing Agencies (CPAs) to ensure seamless operations and maintain a healthy Credit Turnaround Time (TAT).
  • Reporting: Maintain a daily MIS (Management Information System) for various branches to track performance.
Required Skills and Qualifications
  • Proven experience in credit assessment and approval processes.
  • Expertise in risk management and mitigation strategies.
  • Strong leadership and team management skills.
  • Excellent communication and analytical skills.
Benefits
  • Competitive salary and benefits package.
  • Opportunities for career growth and professional development.


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