Credit Officer

4 days ago

Delhi, India VR Solutions Full time

Assess clients' financial status.
- Evaluate creditworthiness and risks.
- Contact clients to gather financial data and documentation.
- Analyze risks and approve or reject loan requests.
- Calculate financial ratios (e.g. credit scores and interest rates)
- Set up payment plans
- Coordinating with the Principal Bank for loan approval and communicating to client
- Getting the required documents from customers KYC/Legal/Technical)
- Communication with the client / associate for disbursement
- Should have worked with bank/HFC at least for 3-5 years and should have a complete understanding of the housing finance business including credit/legal/technical
- Understanding of the local markets/acceptability of the property to be taken as security
- Conversant with LOS/LMS Requirements and skills
- Minimum work experience as a Credit Officer, Loan Officer or similar role of at least 4-5 years.
- Hands-on experience with lending procedures and products
- Ability to create and process financial spreadsheets
- Strong analytical skills
- Customer service experience
- BSc in commerce, Banking and Finance, Economics or related field
- Understanding the concepts like affordable lending, HL, LAP, credit underwriting ,housing loan ,home finance etc. Offered CTC : 2.50 LPA -4 LPA as per experience. Preferences: Current officials working in Credit processing associates of some channel partner or bank, work experience of some housing finance NBFC’s or bank etc. Operations professionals will not be applicable.

**Salary**: ₹250,000.00 - ₹400,000.00 per year

Schedule:

- Day shift

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