Credit Officer

Equitas Small Finance Bank Ltd.; Nashik; On-site; INR 300,000 - 540,000; Full time

Job summary

Equitas Small Finance Bank Ltd. in Nashik is seeking an External Title Credit Officer to assess loan proposals and ensure compliance with credit policies.

You will engage with customers to evaluate income documentation and assist the branch team in meeting its targets. Based in Nashik, you will underwrite proposals within empowered limits, maintain high standards of credit appraisal, and ensure timely file completion before disbursement.

Qualifications

• 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 .

Responsibilities

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

Skills

B.Com

Education

B.Com

Job description

External Title Credit Officer

Employment Type Permanent

Organisational 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 Nashik

PT Location Maharashtra

Branch Code 9127

Branch Name Nashik-3

Skill

B.Com

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