Credit Officer

Job Title: Loan Credit Executive OfficerExperience Required: Minimum 1 Year

Location: As per business requirement

Employment Type: Full-time

Job SummaryThe Loan Credit Executive Officer is responsible for assessing loan applications, evaluating creditworthiness, ensuring compliance with credit policies, and supporting timely loan disbursement while minimizing credit risk.

• Key ResponsibilitiesReview and process loan applications in line with company credit policies.
• Conduct credit appraisal by analyzing financial documents, income proofs, bank statements, and credit bureau reports (CIBIL).
• Verify customer details, employment status, and repayment capacity.
• Coordinate with sales, operations, and risk teams for loan approval and disbursement.
• Ensure compliance with regulatory guidelines and internal policies.
• Identify potential credit risks and recommend appropriate mitigations.
• Maintain accurate records and MIS related to loan processing.
• Follow up for pending documents and ensure TAT adherence.
• Support audits and internal reviews related to credit files.
• Eligibility & SkillsGraduate in any discipline (MBA/Finance preferred).
• Minimum 1 year of experience in loan processing/credit underwriting.
• Good knowledge of loan products (Personal Loan, Home Loan, LAP, Business Loan).
• Understanding of credit bureau reports and risk assessment.
• Basic knowledge of banking/NBFC compliance norms.
• Strong analytical and decision-making skills.
• Good communication and coordination skills.
• Proficient in MS Excel and loan processing systems.
• Preferred Candidate ProfileExperience in Bank/NBFC/Fintech environment.
• Ability to work under pressure and meet deadlines.
• Detail-oriented with high integrity and confidentiality.

CTC: As per industry standards

Joining: Immediate / 15–30 days preferred