Credit Officer

Role Description

Designation:  Credit officer

Grade: EB-1-Offcier/EB-2-Assistant Manager

Legal Entity: Equitas Small Finance Bank

Business Unit: Retail Banking

Division: Emerging Enterprise banking

Department:  Credit

Travel required: Yes/No (if Yes, please mark ->)

Level of travel: Moderate

Level: Individual Contributor 

Purpose of the role: 

• The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents & personal discussion

Key Responsibilities: 

• Ensure proper credit evaluation of customers as per policy & process
• Document verification to be carried out for the loan proposals
• Support the branch team in achieving desired branch objective.
• Manage & Maintain TAT for Loan disbursement.
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Completion of PDD on time for the Loan Disbursed 
• Ensure Quality Portfolio of the branch is Maintained 
• Appraise of CAM proposal of the customers who have applied Loan

Desired Experience:

• Number of years of experience (02-05 Years)
• Type of companies/sector worked for(Private commercial banks and large NBFCs)
• Responsibilities managed in the previous organizations(Primarily Credit function. Past experience in credit & Collection  side of CV.)
• Languages (Hindi/English/Local Language)
• Computer/technical skills (Basic MSCIT Knowledge)

Qualifications:

• Graduation: (BCOM/Any stream)
• Post-graduation: (MBA would be an added advantage)
• Professional Qualifications: If any would be an added advantage
• Certifications: If any would be an added advantage