Credit Officer

Job Summary

The Credit Verification Officer is responsible for checking customer details, verifying documents, reviewing loan applications, and approving cases as per company policies. The role ensures that customer details are correct and loan cases meet the required credit guidelines before approval.

• Key ResponsibilitiesVerify customer details and KYC documents.
• Check customer address, business details, and other required information.
• Review loan applications and supporting documents.
• Check credit bureau reports and existing loan details.
• Assess the customer's repayment capacity.
• Complete VCPD and other required verification activities.
• Review and approve loan cases as per the company's approval guidelines.
• Identify missing documents, incorrect details, and policy deviations.
• Coordinate with Relationship Managers and Branch Managers to resolve issues.
• Update verification details and case status in the system.
• Complete verification and case approval within the given timeline.
• Follow company policies and credit guidelines.
• Required QualificationsGraduate in any discipline (preferred).
• Freshers or candidates with 0–3 years of experience in Micro Finance, Banking, NBFC, or Credit Verification can apply.
• Basic knowledge of loan processing and document verification is an advantage.
• Required SkillsGood observation and verification skills.
• Attention to detail.
• Basic understanding of loan and credit processes.
• Good communication and coordination skills.
• Basic computer and mobile application knowledge.
• Ability to identify errors and discrepancies.
• Good decision-making skills.
• Key Performance Indicators (KPIs)Timely completion of VCPD activities.
• Accuracy of document and customer verification.
• Timely case processing and approval.
• Quality of credit assessment.
• Compliance with company policies.
• Reduction in verification errors.
• Proper updating of case details in the system.
• Work EnvironmentMainly branch-based work, with field visits when required.
• Regular coordination with Relationship Managers and Branch Managers.
• Verification of customer details and loan documents.
• Reviewing and approving loan cases as per company guidelines.
• 
  

Role Objective: To verify customer details, check loan documents, complete VCPD, and approve loan cases as per company policies while ensuring accuracy and proper credit assessment.