RC - Credit Officer - Mortgages Credit

Underwriting/review of Credit Proposals including Review/Renewals of the proposals 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.

Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio

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 corporate retail policy/ scheme

Optimal qualification for success on the job is:

Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

Experience of atleast 2 years in assessing credit of Commercial Vehicle and Construction Equipment Product

For successful execution of the job, the candidate should possess:

Knowledge of credit, relevant industry and product trends

Knowledge of regulatory guidelines and norms

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

Ability to handle pressure and meet deadlines