BRANCH CREDIT OFFICER

Muthoot Fincorp Ltd.; Thuni; On-site; INR 400,000 - 650,000; Full time

Job summary

PeopleStrong in Rajasthan, India seeks a Credit Officer for Secured & Unsecured Lending. You will conduct verifications at customer premises, perform credit assessments, analyze cash flows and ability to pay with integrity, and gather information to complete credit analysis.

The role emphasizes timely customer meetings, strict adherence to underwriting procedures, maintaining turnaround time, and monitoring delinquency triggers in line with product norms. 3 years' experience preferred.

Qualifications

• Meet customers at their premises and residence for detailed verification.
• Proper credit assessment as per template and reporting to Credit Manager.
• Conduct study on cash flow, ability to pay of customer with integrity.
• Gather all relevant information through discussion and documents for proper credit analysis.

Responsibilities

• Timely customer meetings.
• 100% compliance to right credit underwriting procedures.
• Maintain TAT within product guidelines.
• Focus on delinquency triggers as per product norms.

Skills

Team player

Multi-tasking

Effective communication

Adaptable

Job description

2 Position/Designation

CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS

3 Grade

C1

4 Department

SECURED & UNSECURED LENDING BUSINESS

5 Sub Department(if any)

CREDIT

Job Role

CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS

Reporting to - Designation and Grade

CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1

Main Tasks

1. Meet customer's business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis.

5 Areas of Responsibility

1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms.

Total Experience

3Year(s)0 Month(s)

Behavioural Competencies

Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.