Credit Officer

Form ID: AR/CHR/22-23/0001.2

Position title:Credit Officer

Department:Credit Department

Reports to:Central Credit Manager (CCM)

Location:Kolkata, Bengaluru

Band / GradeSr. Executive/Asst. Manager
2. JOB SUMMARY

• Credit officer is responsible for the timely appraisal and verification of MEL/Bazaar loan.
• Fill all the form & formats with due quality checks, complete eligibility analysis.
• Conduct Tele PD/Video PD as per our policy.
• Check Credit Bureau reports and loan repayment ability for the customer (Borrower & Co-Borrower).
• Check bank statement and business proof along with validation of it.
• Business evaluation/Cash Flow analysis/Check Customers' Market feedback/Credentials.
• Loan recommendation based on income assessment/cash flow
• In addition to the above, the employee may also be called upon to perform other tasks as may be required from time to time.

. JOB PROFILE5.

Description

Credit Processing

1. Quality Check as per Credit Check list
2. Credit Bureau Checks & check Repayment capacity
3. Cash flow analysis and preparation of income assessment based on bank statement/ purchase bill/GST bill/supporting documents.
4. Verification of business proof and vintage.
5. Reference check of customer regarding business
6. Conducting Tele PD/Video PD
7. Recommendation based on income assessment

Training

1. Provide training to branch staff and inductees

Portfolio management

1. Ensures high quality portfolio by taking preventive and curative measures
2. Helps branches in tackling over dues
3. Keep track of product delinquency
4. Take steps to reduce delinquency levels

Reporting and MIS entry

1. Timely MIS reporting
2. Review records and registers pertaining to Bazaar HTS loan maintained at the branch

. PERFORMANCE INDICATORS

• Business performance (Adherence to turn around time etc.)
• Portfolio quality
• Internal control findings
• Feedback from reporting officer
• Feedback from colleagues and other department

5. QUALIFICATION, EXPERIENCE, SKILLS

Minimum Qualifications:

Minimum Experience:

Skills:

Key Competencies required: