3011 Credit Appraisal Jobs

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5.0 - 10.0 years

7 - 12 Lacs

ahmedabad, jodhpur

Work from Office

We are looking for a proactive and customer-focused Acquisition Relationship Manager to drive new business development in the Agri Business Group. The role involves sourcing new relationships, managing credit and legal evaluations, and building strong channel partnerships. The ideal candidate should have a solid understanding of working capital products and a strong service orientation. Source and acquire new customer relationships for the bank. Understand and promote working capital products tailored to agri-business needs. Ensure high levels of customer service and satisfaction. Conduct field investigations and prepare credit appraisal notes. Scrutinize legal aspects of proposals across th...

Posted 15 hours ago

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5.0 - 10.0 years

7 - 12 Lacs

gandhidham

Work from Office

We are looking for a proactive and customer-focused Acquisition Relationship Manager to drive new business development in the Agri Business Group. The role involves sourcing new relationships, managing credit and legal evaluations, and building strong channel partnerships. The ideal candidate should have a solid understanding of working capital products and a strong service orientation. Source and acquire new customer relationships for the bank. Understand and promote working capital products tailored to agri-business needs. Ensure high levels of customer service and satisfaction. Conduct field investigations and prepare credit appraisal notes. Scrutinize legal aspects of proposals across th...

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3.0 - 4.0 years

12 - 18 Lacs

hyderabad

Work from Office

Credit Analyst with 3 to 4 yrs exp in Construction/Project Finance. Analyze financials, assess project viability, prepare credit appraisals, and monitor portfolios. Strong financial modeling, risk assessment, and credit evaluation skills required

Posted 15 hours ago

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3.0 - 4.0 years

12 - 18 Lacs

hyderabad

Work from Office

Credit Analyst with 3-4 yrs exp in Construction/Project Finance. Analyze financials, assess project viability, prepare credit appraisals, and monitor portfolios. Strong financial modeling, risk assessment, and credit evaluation skills required

Posted 16 hours ago

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7.0 - 12.0 years

25 - 32 Lacs

mumbai

Hybrid

Sumitomo Mitsui Banking Corporation Job Responsibilities Review of Credit Appraisal Memoranda of new and existing loans to ensure the accuracy of all financial details and compliance with the Bank’s procedures Risk Identification & Mitigation with respect to credit proposals and ensuring high credit quality Adherence of credit proposals to Head Office policies & procedures and local regulatory requirement. Closely work with the Business team to structure credit limits for corporate clients Continuous review of the bank’s credit strategy, prepare recommendations for changes in products, credit limits and other terms and conditions and levels of exposure to particular market segments or custom...

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2.0 - 3.0 years

12 - 17 Lacs

guntur

Work from Office

Job Purpose This position is open with Bajaj Finance ltd. Culture Anchor:Have high ambitions - Inspires the team to aim for higher targets and supports in achieving themOwn It - Acknowledges uncertainty and makes changes in own decisions/ actions for better outcomes Duties and Responsibilities Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches in the area assigned. - Credit appraisal for BL & Doctor Loans files for the assigned location- Keeping delinquency under control- Compliance of policy and processes- Reporting of location metrics like Login, Approval, Disbursal, Rejection, Deviation on monthl...

Posted 17 hours ago

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1.0 - 2.0 years

6 - 10 Lacs

pune

Work from Office

Job Purpose This position is open with Bajaj Finance ltd. Culture Anchor:Work Hard - Consistently puts in effort. plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and fairness in all interactions in line with organization. ™s policiesAct with Integrity Duties and Responsibilities - Responsible for credit appraisal and monitoring for the Salaried Loans. - Implementation of Credit Policy primarily pre-approved and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix. - Analysing the portfolio health and risk involved in particular segment of...

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2.0 - 3.0 years

6 - 11 Lacs

agra

Work from Office

Job Purpose This position is open with Bajaj Finance ltd. Duties and Responsibilities Implementation of Credit Policy and continuous evaluation to ensure adherence to the Policy and compliance with the Authority Matrix at branches in the area assigned. - Credit appraisal for BL & Doctor Loans files for the assigned location - Keeping delinquency under control - Compliance of policy and processes - Reporting of location metrics like Login, Approval, Disbursal, Rejection, Deviation on monthly basis as per prescribed format - Market Research and Feedback for new product launch. - Feed back on credit policy based on market conditions. Required Qualifications and Experience Chartered Accountant /...

Posted 18 hours ago

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3.0 - 6.0 years

8 - 12 Lacs

bengaluru

Work from Office

What you'll do Were looking for someone wholl put our clients at the heart of everything they do, joining a team who specialise in credit delivery. As a Relationship Manager, youll be effectively managing your diary, helping to build and develop a portfolio of clients and crucially, delivering excellent service. Well also look to you to support management in developing high quality new business proposals, support credit analysis and build a strong relationship with the credit function. Youll also be: Designing and originating new business proposals that are appropriate to the needs of our clients Understanding how our products and services compare with competitors and using this knowledge to...

Posted 19 hours ago

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7.0 - 12.0 years

12 - 16 Lacs

bengaluru

Work from Office

Responsibilities Expert Consultation: Preparation of higher complexity SR&ED tax incentive claims and assist with review of claims as required. Maintaining regular contact with assigned clients communicating directly with client personnel in operations, finance, accounting, payroll, and engineering and their accountants to gather relevant information to prepare project costing and complete tax return input. Client Partnership: Cultivate strong relationships with clients to uncover SR&ED opportunities, offering bespoke consultation and support throughout the SR&ED claim lifecycle. Meet with clients in-person and virtually to establish engagement plans, assist with evaluation of eligible activ...

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5.0 - 7.0 years

0 Lacs

noida, uttar pradesh, india

On-site

AREA CREDIT HEAD - SEG INTERNAL USAGE: No. of Vacancies: SEG Reports to: GCH SEG Is a Team leader Y Team Size: Grade: Business: Corporate Center Department: Wholesale Credit Sub - Department: SEG Location: About Wholesale Credit The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Area Credit Head (ACH) manages the credit activities, processes and people for the Wholesale Credit vertical for designated location. The ACH is responsible for smooth functioning of the Cred...

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5.0 - 7.0 years

0 Lacs

vijayawada, andhra pradesh, india

On-site

AREA CREDIT HEAD - SEG INTERNAL USAGE: No. of Vacancies: SEG Reports to: GCH SEG Is a Team leader Y Team Size: Grade: Business: Corporate Center Department: Wholesale Credit Sub - Department: SEG Location: About Wholesale Credit The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Area Credit Head (ACH) manages the credit activities, processes and people for the Wholesale Credit vertical for designated location. The ACH is responsible for smooth functioning of the Cred...

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0.0 years

0 Lacs

chennai, tamil nadu, india

On-site

CREDIT MANAGER INTERNAL USAGE: No. of Vacancies: Reports to: Area Credit Head SEG Is a Team leader N Team Size: NA Grade: Business: Corporate Center Department: Wholesale Credit Sub - Department: SEG Credit Location: About Wholesale Credit The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Credit Manager manages the credit activities and processes of the Wholesale Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of...

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0.0 years

0 Lacs

karnal, haryana, india

On-site

RC - Area Credit Manager - B2C - Rural Credit INTERNAL USAGE: No. of Vacancies: Reports to: Regional Credit Manager Is a Team leader Y Team Size: 2 to 5 Grade: Business: Corporate Center Department: Retail Credit Sub - Department: Rural Credit Location: About Rural Credit Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically act...

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0.0 years

0 Lacs

chennai, tamil nadu, india

On-site

About Retail Lending: The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the rural lending business of the bank About the Role: The Gold loan officer services the gold loan customers who require short term, low interest loans by ensuring valuation of the gold by the empanelled valuer and the disbursement of the loan as per the laid down policy. The Gold Loan Officer coordinates with the vendor, sales team and the customers to ensure smooth execution of all processes Key R...

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0.0 - 2.0 years

2 - 3 Lacs

chennai

Work from Office

Job Title: Credit Analyst Asset & Investment Management Location: Chennai Experience: 0 to 2 yrs Working Model: Work from Office Job Description: We are looking for a detail-driven and financially sound Credit Analyst to join our asset management division. The role requires evaluating creditworthiness, understanding financial statements, and supporting investment decisions across Alternate Investment Funds (AIFs) and asset classes. Key Responsibilities: Analyze financial statements, ratios, and balance sheets to assess credit risk Conduct in-depth credit checks and due diligence on potential investments Support the investment team in identifying and evaluating asset opportunities Collaborate...

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1.0 - 3.0 years

2 - 6 Lacs

chennai

Work from Office

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safegua...

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0.0 - 3.0 years

3 - 3 Lacs

mumbai, thane, navi mumbai

Work from Office

LOOKING FOR FRESHERS TO JOIN US IMMEDIATELY. Job Summary: As a Corporate Banking Executive, you will be an integral part of our team, working closely with professionals across different departments to gain practical insights into the corporate world. While this is an entry-level position, your eagerness to learn and grow will set the stage for future opportunities within our organization. Key Responsibilities: *Departmental Exposure: Explore through various departments within the organization, including business development, client servicing, and marketing, to gain a comprehensive understanding of our operations. *Training and Development: Participate in training sessions designed to enhance...

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0.0 - 5.0 years

3 Lacs

jaipur

Work from Office

Credit Manager-RELATIONSHIP BANKING GROUP-Credit Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on Hire Increase in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delin...

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1.0 - 6.0 years

5 - 8 Lacs

rajahmundry

Work from Office

Team Management Team Recruiting New dealership implement Maintaining relationship with business partners To Provide good service to them as provided by company Sourcing Good / Quality Business from a team Update Post Disbursement Documents Maintaining Productivity of Off roll Employee 6 month of collection portfolio maintain Aggressive Participating in new launching of process and policies by company

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3.0 - 8.0 years

7 - 10 Lacs

baramati

Work from Office

Roles and Responsibilities Manage credit underwriting process from loan application to disbursement, ensuring timely decision-making and high-quality appraisals. Develop strong relationships with customers by providing exceptional customer service and resolving queries promptly. The role holder is responsible for providing credit approvals and support for disbursement of loans within empowerment limits, based on credit evaluation criteria. Ensure compliance with regulatory requirements, internal policies, and procedures while maintaining a high level of accuracy in documentation. Collaborate with cross-functional teams to drive business growth through effective communication and coordination...

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1.0 - 3.0 years

2 - 6 Lacs

chennai

Work from Office

About The Role Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song"” all powered by the world's largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries...

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3.0 - 5.0 years

3 - 6 Lacs

chennai

Work from Office

About The Role Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Analyst Qualifications: Any Graduation Years of Experience: 3 to 5 years Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song"” all powered by the world's largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. ...

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0.0 - 1.0 years

1 - 5 Lacs

chennai

Work from Office

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song"” all powered by the world's largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, servin...

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1.0 - 3.0 years

2 - 6 Lacs

chennai

Work from Office

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song"” all powered by the world's largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving cl...

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Exploring Credit Appraisal Jobs in India

The credit appraisal job market in India is witnessing significant growth as financial institutions and banks continue to expand their operations. Credit appraisal professionals play a crucial role in assessing the creditworthiness of individuals and businesses applying for loans or credit facilities. If you are considering a career in credit appraisal in India, this article will provide you with valuable insights into the job market, salary range, career progression, related skills, and interview questions to help you prepare for your job search.

Top Hiring Locations in India

  1. Mumbai
  2. Delhi
  3. Bangalore
  4. Chennai
  5. Hyderabad

Average Salary Range

The average salary range for credit appraisal professionals in India varies based on experience and location. Entry-level positions may start at around INR 3-5 lakhs per annum, while experienced professionals can earn upwards of INR 10-15 lakhs per annum.

Career Path

A career in credit appraisal typically progresses from roles such as Credit Analyst or Loan Officer to Senior Credit Analyst, Credit Manager, and eventually to Chief Credit Officer or Head of Credit Risk Management.

Related Skills

In addition to credit appraisal skills, professionals in this field are often expected to have strong analytical abilities, financial modeling expertise, risk assessment knowledge, and excellent communication skills.

Interview Questions

  • What factors do you consider when assessing the creditworthiness of a borrower? (medium)
  • Can you explain the difference between qualitative and quantitative methods of credit appraisal? (basic)
  • How do you handle situations where a borrower's credit history is limited or non-existent? (medium)
  • What are the key components of a credit appraisal report? (basic)
  • How do you stay updated on industry trends and regulations related to credit appraisal? (advanced)
  • Can you walk us through a challenging credit appraisal case you handled in the past? (medium)
  • How do you mitigate credit risk in your appraisal process? (medium)
  • What role does technology play in modern credit appraisal practices? (basic)
  • How do you ensure compliance with regulatory requirements in your credit appraisal process? (medium)
  • How do you communicate your credit appraisal findings to stakeholders within the organization? (basic)
  • How do you handle situations where a borrower's financial statements are not accurate or reliable? (medium)
  • Can you discuss a time when you had to make a tough credit decision? (medium)
  • What are the common red flags you look for during a credit appraisal process? (basic)
  • How do you prioritize competing demands for credit within a limited budget? (medium)
  • How do you assess the credit risk associated with different types of borrowers (individuals, small businesses, large corporations)? (medium)
  • What role does macroeconomic factors play in credit appraisal? (medium)
  • Can you explain the concept of credit scoring and its importance in credit appraisal? (basic)
  • How do you ensure objectivity and fairness in your credit appraisal process? (medium)
  • How do you handle situations where a borrower defaults on their loan repayment? (medium)
  • How do you assess the creditworthiness of a borrower with a fluctuating income stream? (medium)
  • What are the key challenges you face in credit appraisal, and how do you overcome them? (medium)
  • How do you evaluate the collateral provided by a borrower during the credit appraisal process? (medium)
  • Can you discuss a time when you had to work under tight deadlines in a credit appraisal project? (medium)
  • How do you assess the financial health and stability of a borrower's business? (medium)

Closing Remark

As you embark on your journey to explore credit appraisal jobs in India, remember to equip yourself with the necessary skills, knowledge, and preparation to stand out in the competitive job market. By honing your credit appraisal expertise, developing related skills, and preparing for potential interview questions, you can position yourself as a strong candidate for exciting career opportunities in this field. Best of luck on your job search!

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