13 Credit Officer Jobs

The Institutional Credit Managements (ICM) aims to provide an integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit businesses. Wholesale Credit Risk (WCR) In-Business Quality Assurance (QA) is an essential component of the ICM organization, ensuring that established standards and processes are consistently followed. WCR In-Business QA plays a crucial role in assessing the quality of the group's policies, procedures, programs, and practices related to the management of wholesale credit risk. The results of quality assurance reviews (QARs) help identify operational and control weaknesses, training needs, and process deficiencies, enabling management to mitigate risks effectively. As the WCR Head of In-Business QA, you will report the results of QARs, providing valuable feedback, insight, and observations on deficiencies and areas of improvement to the respective WCR businesses and other relevant stakeholders. This role is based in Mumbai and reports to the In-Business QA Wholesale Credit Analytics (WLCA) Head. Key responsibilities include supporting Portfolio Leads in the implementation and delivery of a robust Quality Assurance function covering various areas such as ICM, Commercial Lending Management, Corporate Banking, and Services. You will provide challenge during QARs to identify credit review and process adherence weaknesses, ensuring that risks are effectively identified, measured, monitored, and controlled in alignment with the bank's risk appetite and established policies. Additionally, you will assist in preparing Quality Assurance Reports, engage with 1LOD functions, establish QA policies and procedures, conduct population analytics, stay updated on industry changes, and support internal projects and initiatives. The ideal candidate will have a strong assurance background in corporate banking, credit risk management, or quality assurance functions, with knowledge of Wholesale Credit Processes and strong analytical skills. Skills required for this role include demonstrable assurance experience, organizational awareness, understanding of policies and procedures, market knowledge, and strategic orientation. Effective interpersonal skills, organizational abilities, written and verbal communication skills, and proficiency in Microsoft Office tools are also essential. A BA/BSc or higher degree in Business or a related field is required for this position. If you are passionate about driving best practices in credit risk management, possess the necessary skills and qualifications, and thrive in a dynamic environment, we invite you to apply for this challenging opportunity at Citi.,

Role & responsibilities Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EM Preferred candidate profile Graduate/Postgraduate. 4-6 years Credit/Underwriting experience. Understanding of portfolio metrics. Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.

Job Title: Credit Underwriter Key Responsibilities Evaluate loan applications for microfinance products by analyzing financial data, credit history, and repayment capacity. Conduct video calls to verify borrower information and assess creditworthiness. Collaborate with loan officers and branch teams to ensure accurate documentation and risk profiling. Prepare credit appraisal memos and recommend loan approvals or rejections. Monitor portfolio quality and flag early warning signals for delinquency. Ensure compliance with internal credit policies and regulatory guidelines. Provide feedback to product and risk teams for continuous improvement of underwriting models. Familiarity with credit scoring models, KYC norms, and NBFC/MFI regulations. Only experienced candidates can apply for the job

As a Credit Officer, you will play a crucial role in evaluating and approving credit applications, managing credit risk, and ensuring adherence to the organization's credit policies. Your attention to detail and analytical skills will be essential in assessing customer creditworthiness, monitoring existing accounts, and collaborating closely with sales and finance teams to maintain a healthy credit portfolio. This is a full-time position with a day shift schedule that requires your presence in person at the work location.,

We are looking for a Credit Analyst/Credit Officer to evaluate loan applications and assess the creditworthiness of customers. The role involves financial analysis, documentation review, and risk assessment. Any candidate who wants to apply can contact on the given contact number 07303998586 Key Responsibilities: Analyze financial data and credit reports Evaluate loan applications and assess risk Prepare credit reports and recommendations Ensure compliance with credit policies Requirements: Bachelor's degree in Finance, Commerce, or related field Good analytical and decision-making skills Basic knowledge of credit analysis and lending practices Proficiency in MS Excel and financial tools Any candidate who wants to apply can contact on the given contact number 07303998586

Job Title: Credit Underwriter Key Responsibilities Evaluate loan applications for microfinance products by analyzing financial data, credit history, and repayment capacity. Conduct video calls to verify borrower information and assess creditworthiness. Collaborate with loan officers and branch teams to ensure accurate documentation and risk profiling. Prepare credit appraisal memos and recommend loan approvals or rejections. Monitor portfolio quality and flag early warning signals for delinquency. Ensure compliance with internal credit policies and regulatory guidelines. Provide feedback to product and risk teams for continuous improvement of underwriting models. Familiarity with credit scoring models, KYC norms, and NBFC/MFI regulations. Only experienced candidates can apply for the job

Underwriting experience in Loan, preferably Unsecured Loans. Doing personal discussion with borrower. Preparing CAM (Credit Assessment Memo), ensuring proper and correct information. Checking and appraising proposals, scrutinizing documents including SOA analysis, CIBIL analysis, ensuring proper KYC etc before assigning any application to Lender with proper TAT and quality. Primary assessment & analysis of reasons of non-starter cases. Basic Financial Knowledge of Balance sheet and Profit & Loss A/c.

Key Responsibilities: Conduct credit appraisal and underwriting of loan proposals Ensure compliance with internal credit policies and regulatory guidelines Supervise and mentor credit analysts and junior underwriters Coordinate with sales and operations teams for smooth loan processing Monitor portfolio performance and flag early warning signals (EWS) Prepare and present credit proposals to the credit committee Liaise with auditors and regulatory bodies (e.g., RBI) during inspections Maintain high standards of documentation and reporting Role & responsibilities Salary - 5 LPA to 15 LPA Preferred candidate profile

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

MAS Rural Housing and Mortgage Finance Limited is looking for Credit Officer to join our dynamic team and embark on a rewarding career journey. Assess credit risk and make credit decisions in accordance with the company's policies and procedures.Review and process credit applications, including analyzing financial information, credit reports, and other relevant information.Work with customers to gather additional information and documentation as needed to support credit applications.Provide excellent customer service to customers, responding to inquiries and resolving issues related to credit applications.Ensure that credit decisions and operations comply with applicable laws, regulations, and company policies.Monitor credit risk and proactively identify potential issues and opportunities for improvement.Work collaboratively with internal stakeholders, including sales, finance, and legal, to ensure that credit operations are aligned with company goals and objectives.Develop and maintain effective relationships with customers, vendors, and other external stakeholders.Understanding of financial analysis and credit risk assessment methodologies.Excellent communication and interpersonal skills.

Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong attention to detail and organizational skills. Ability to build relationships with clients and stakeholders.

MAS Rural Housing and Mortgage Finance Limited is looking for Credit Officer to join our dynamic team and embark on a rewarding career journey. Assess credit risk and make credit decisions in accordance with the company's policies and procedures. Review and process credit applications, including analyzing financial information, credit reports, and other relevant information. Work with customers to gather additional information and documentation as needed to support credit applications. Provide excellent customer service to customers, responding to inquiries and resolving issues related to credit applications. Ensure that credit decisions and operations comply with applicable laws, regulations, and company policies. Monitor credit risk and proactively identify potential issues and opportunities for improvement. Work collaboratively with internal stakeholders, including sales, finance, and legal, to ensure that credit operations are aligned with company goals and objectives. Develop and maintain effective relationships with customers, vendors, and other external stakeholders. Understanding of financial analysis and credit risk assessment methodologies. Excellent communication and interpersonal skills.

MAS Rural Housing and Mortgage Finance Limited is looking for Credit Officer to join our dynamic team and embark on a rewarding career journey. Assess credit risk and make credit decisions in accordance with the company's policies and procedures. Review and process credit applications, including analyzing financial information, credit reports, and other relevant information. Work with customers to gather additional information and documentation as needed to support credit applications. Provide excellent customer service to customers, responding to inquiries and resolving issues related to credit applications. Ensure that credit decisions and operations comply with applicable laws, regulations, and company policies. Monitor credit risk and proactively identify potential issues and opportunities for improvement. Work collaboratively with internal stakeholders, including sales, finance, and legal, to ensure that credit operations are aligned with company goals and objectives. Develop and maintain effective relationships with customers, vendors, and other external stakeholders. Understanding of financial analysis and credit risk assessment methodologies. Excellent communication and interpersonal skills.