CBG:Circle Credit Officer

About Commercial Banking Group

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs to Rs 250 Crs by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etcThe Circle credit officer, a part of the Commercial Banking team in the Circle, works with the Centre Head, Credit Analyst and RMs in the Circle on credit proposals The CCO advises Centre Heads on proposals and reviews the notes submitted by the Credit Analysts It is the CCO s responsibility to ensure that the notes submitted by the Credit Analyst are within the TAT, in line with the Credit policy and meeting the expectations in terms of the qualityAdvising Centre Heads and reviewing credit proposals drafted by Credit AnalystsPre-sanction unit visit for certain proposals to determine valuation and credit worthinessMaintaining TAT for NTB/enhancement proposalsEnsuring timely review and submission of status notes, stale ratings, etcTimely submission of replies to queries from Audit teamsTransaction structuring and working on high value NTB along with RMsEnsuring Review/Renewal within due date for the CircleExit/upgrade of accounts based on early warning signalsQualificationsPost Graduates/Graduates/CAsGood academic backgroundExperience in a credit environmentRole ProficienciesGood understanding of credit appraisal and ficial analysisGood communication (both verbal and written) skills in both English and the local language#ComeAsYouAre We are dil se open Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply