Credit Officer

      Job description for Credit Officer – Self

Employed 

Knowledge 

• Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility
• Customer Interaction to understand needs, finds solutions within the product range available
• Calculation of Net Present Values of maturing assets using excel sheets or programs
• Knowledge of basic legal documentation involved in an acquisition of a home
• Knowledge of technical fundamentals involved in an acquisition of a home
• Cash flow method of assessment of NRI Loans, Ability to assess a Salaried Loan
• Sanctioning :- File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, Keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.
• Disbursement: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing.
• Project Approval – Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.
• LMS – Timely Updation of Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.

Note – Candidate should be well versed with Ms. Excel and power point presentations

                                                            Skills

• Effective communication skills
• Analytical abilities
• 2-3 years of relevant work experience in Credit –specifically Self-employed (Preferably Full-time MBA Finance)
• Solution orientation, Ability to work under time pressures
• Good organization skills
• Positive attitude