Branch Credit Operation

Fincv is a partnership firm that was founded in 2023 with the objective of establishing a dedicated marketplace connecting Small and Medium Enterprises (SMEs) with short-term capital specifically designed for commercial vehicle financing. The primary focus of the platform is to offer SMEs an efficient means to access the essential funds required to fulfill their commercial vehicle needs. Presently, Fincv is operational in 11 locations across Karnataka, facilitating businesses in the area to secure the financial resources essential for their growth and prosperity. As a Credit Officer in Bengaluru, you will be responsible for assessing loan applications within defined policy guidelines and recommending them for approval to higher authorities. A minimum of one year of experience in credit underwriting within the Commercial Vehicle Segment is required for this full-time on-site position. Qualifications: - Bachelor's degree in finance, accounting, business administration, or a related field. Key Responsibilities: 1. Evaluate loan applications based on established policies and suggest them for approval to senior management. 2. Conduct personal discussions with customers to determine their creditworthiness. 3. Make informed lending decisions after assessing available information and customer interactions. 4. Underwrite loan proposals and prepare Credit Appraisal Memos (CAM). 5. Monitor Post-Disbursement Document (PDD) requirements. 6. Collaborate with the Operations team for loan disbursal and PDD processes. 7. Communicate with the Operations team to resolve any disbursal issues. 8. Ensure compliance with Audit and regulatory standards for the branch/location. 9. Contribute towards achieving branch profit targets. 10. Coordinate with the sales team to meet targets and ensure Turn-Around-Time (TAT) objectives are achieved. 11. Manage the processes necessary to maintain reasonable turnaround times. 12. Conduct regular training sessions for branch sales members on credit policies.,