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Credit Officer Micro Small Enterprise (All Regions)

Bengaluru, KA
Job Code:
  • Banking & Finance
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Job Details

Underwrites MSE Loans (Business Loans) i.e. Term Loans, Working Capital Loans.Monitors the MSE portfolio in the assigned area.Ensures adherence to credit Process and Policies.Ensures TAT is met for all activities related to credit for the branch.Co-ordinates with Distribution/Business for reviewing credit policies.PRIMARY RESPONSIBILITIESBusinessEnsures success and growth of the product by adhering to defined TAT for loan approval.Ensures PAR% and NPA are maintained within the budgeted amount.CustomerVisits the customers and understands their profile as well as business to underwrite the loans.Ensures customer satisfaction by processing of loan applications within the TAT defined in the policies.Internal ProcessEnsure Credit policy and process adherence in the cluster.Carry out detailed business analysis and approve a loan/limit or enhancement of the same to the customers with the help of team.Maintain portfolio quality as per company norms.Conduct a detailed analysis of the loans disbursed to provide inputs for credit policies.Learning & PerformanceMaintain up to date knowledge of MSE product.Upgrade self and team about changes happening in the market.Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectivesRole RequirementsDesired QualificationGraduate, preferably in commerce and related streamsDesired ExperiencePreferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans/Business Loans with PD & underwriting. FUNCTIONAL KNOWLEDGE AND SKILLS(Knowledge and skills needed for satisfactory performance of the job)Knowledge of Credit in LAP/Mortgage Loans/MSME Loans/Business Loans including term loans and overdraftsPersonal Discussion & Business Analysis SkillsBasic Computer knowledge (MS Office, Outlook)KYC norms/guidelines for business loansBasic Knowledge of security- hypothecation and mortgageCommunication Skills - fluent in the local language & can read-write basic EnglisBEHAVIOURAL COMPETENCIESTime managementCustomer relations managementAchievement/performance orientedPossesses good interpersonal skillsWillingness to travel & relocation as per business requirements and career opportunities
Degree: MBA/ PGDM

Additional Degree: B.Com. (Commerce) | B.Sc. (Science) | BBA/ BBM/ BBS

Experience: 2-3


Credit Control & Collections | Loan/Mortgage | Relationship Mgmt | Risk/Credit/Economic Analyst
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