Credit Manager - Secured Business Loans

As a Credit Officer, your primary responsibility will be to verify whether all loan applications are assessed in accordance with the credit policy, ensuring that any deviations are appropriately mitigated and documented. You will have direct interactions with customers, conducting personal discussions and interviews to evaluate their creditworthiness. It will be crucial for you to ensure that all files are processed within a reasonable timeline while establishing strong relationships with customers. In addition to customer interactions, you will collaborate with the sales and operations teams to gather accurate data for loan processing. You will play a key role in the security creation process for secured loans, ensuring compliance with all KYC guidelines mandated by the RBI. Your analytical skills will be essential for processing data using computer spreadsheets and evaluating credit parameters. Your role will also involve relationship management, where you will coordinate with sales and relationship managers to ensure proper documentation and address any audit queries promptly. A deep understanding of various risk dimensions such as operational risk, credit risk, and market risk will be necessary to perform your duties effectively. Furthermore, you should be comfortable assessing clients even in the absence of audited financial statements. Flexibility and willingness to travel within the city may be required to fulfill the responsibilities of this role effectively.,