Credit Officer

Equitas Small Finance Bank Ltd.; Dharashiv; On-site; INR 400,000 - 640,000; Full time

Job summary

Equitas Small Finance Bank is hiring a Credit Officer in Maharashtra. You will evaluate loan proposals, discuss them with customers, and assist the branch team in meeting targets while adhering to credit policies.

The role requires thorough credit appraisal, timely documentation, and fair decision-making within empowered limits. Prior banking experience is advantageous.

Qualifications

• Minimum educational qualification: B.Com.
• 1–4 years of experience in credit evaluation or allied banking functions is preferred.
• Must have good understanding of credit policies and documentation requirements.

Responsibilities

• Ensure proper credit evaluation of customers as per policy & process.
• Conduct personal discussions with customers for evaluation of loan proposals.
• Support the branch team in achieving desired branch objectives.

Education

B.Com

Job description

Posted On 23 Oct 2026

End Date 22 Nov 2026

Required Experience 1 - 4 years

Basic Section

No. Of Openings 1

External Title Credit Officer

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Department VF

Sub-Department Credit

Generic Role Credit Officer

External Title (Job Role) Credit Officer

Zone West

State Maharashtra

Region Maharashtra

Area Solapur

PT Location Maharashtra

Branch Code 9088

Branch Name Osmanabad

Skills

Skill

B.Com

Working Language

Job Description

• Ensure proper credit evaluation of customers as per policy & process
• Conduct personal discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Ensure approving authority of 25 Lac is utilized in a fair & transparent manner
• Ensure Quality Portfolio of the branch is Maintained
• Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria
• Maintain high standards on credit appraisal through personal discussion with customer, as appropriate supplemented by documentation provided Minimize turnaround time per application
• Evaluation of assessed and declared income group eligible for Housing & LAP .

Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate