RC - Credit Officer - B2B - Rural Credit

Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme

Knowledge of credit, preferably Working Capital Loans and Loans to MSME and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language