RC - Credit Officer - B2B - Rural Credit

Axis Bank

0 years

0 Lacs

noida uttar pradesh india

Posted:1 week ago| Platform: Foundit logo

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Skills Required

market intelligence regulatory guidelines credit appraisal working capital loans loans to msme credit proposals

Work Mode

On-site

Job Type

Full Time

Job Description

RC - Credit Officer - B2B - Rural Credit
INTERNAL USAGE:
No. of Vacancies:		Reports to:	Regional Credit Manager
Is a Team leader	N	Team Size:	NA

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 active poor Women under Joint Liability Group.
About the Role
The Credit Officer manage the credit activities and processes the proposals of Rural Credit vertical for the designated Credit Areas and ensures adherence to the processes designed by the bank.
Key Responsibilities
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
Qualifications Desired
Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute.
Role Proficiencies:
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

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