Credit Officer

MAS Rural Housing and Mortgage Finance Limited; Anand; On-site; INR 600,000 - 900,000; Full time

Job summary

MAS Rural Housing and Mortgage Finance Limited is seeking a credit analyst responsible for analysing loans per the Policy Manual, ensuring loan quality, and conducting due diligence across the portfolio. The role includes initiating discussions prior to recommendations and maintaining MIS for loan administration.

Candidate should demonstrate strong communication, detail orientation, and ownership to resolve issues and ensure compliance with sanction terms.

Qualifications

• Excellent communication and interpersonal skills.
• Ability to communicate and function professionally with all levels of personnel and business partners across the organization.
• Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation.
• Able to take full ownership of issues until they are completely resolved.
• Attention to detail.
• Good observation and listening skills.

Responsibilities

• Credit recommending and sanctioning authority for loan analysis as per Policy Manual.
• Ensure credit quality of the loan underwritten and portfolio including due diligence.
• Analyze applicant credentials and financial ratios for credit decision per Policy Manual.
• Initiate personal discussions before recommending proposals and document discussions for sanctioning authority.
• Prepare and monitor system MIS and data updates for loan administration as per Loan Policy Manual.
• Verify post-disbursement documentation and compliance with sanction terms and conditions.
• Visit outstation branches/units as instructed in relation to Credit Appraisal/PD/Sanction matters.

Skills

Excellent communication

Interpersonal skills

Customer contact skills

Ownership

Attention to detail

Observation & listening

Education

Graduation

Job description

• • Credit recommending and sanctioning authority, responsible for analysis of loans as per the Policy Manual


• • Accountable for the credit quality of the loan underwritten and portfolio, including the due diligence, of the portfolio included in their markets.


• • Ensuring accurate and appropriate analysis of applicant's credentials, including financial analysis & various associated financial ratios for credit decision, as per the Policy Manual.


• • Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority


• • Preparing and monitoring system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual.


• • Being the first person verifying the post disbursement documentation completion and compliance of all conditions including the sanction terms and conditions stipulated on deals.


• • Visits to outstation branches/units as per the instructions of the competent authority in relation to the matters connected with Credit Appraisal/PD/Sanction matters.

Required Skills:

• • Excellent communication and interpersonal skills


• • Ability to communicate and function professionally with all levels of personnel and Business partners across the organization


• • Excellent customer contact skills; comfortable asking questions/ interviewing customers about their financial situation


• • Able to take full ownership” of issues until they are completely resolved


• • Attention to detail


• • Good observation and listening skills

Education Qualification:

Candidate should have completed Graduation