Senior Credit Officer – Banking

G2G Consultancy & Services; Pune District; On-site; INR 1,800,000 - 2,000,000; Full time

Job summary

A leading consultancy firm is seeking a Senior Credit Officer in Pune who will manage corporate credit activities, ensuring compliance and documentation. The ideal candidate should have a finance degree and 3-5 years of experience. Excellent numerical skills and attention to detail are vital for this role. The position offers competitive compensation and an opportunity to work in a dynamic environment.

Qualifications

• 3-5 years of relevant experience in corporate banking segment is required.
• Strong understanding of financial statements and ratios is crucial.
• CA/CFA is a plus but not necessary.

Responsibilities

• Conduct pre and post sanctions credit activities for corporate clients.
• Review credit proposals for corporate clients.
• Prepare reports for regulatory compliance.
• Issue sanction letters based on approved Term Sheet.
• Ensure proper execution of documents for disbursement.

Skills

Numerical skills

Attention to detail

Interpersonal skills

Stakeholder management

Quantitative aptitude

Education

Masters or Bachelor’s degree in finance or business-related field

Tools

MS Office

Job description

Overview

Position: Senior Credit Officer.

Location: Pune

Work Experience Required: 3-5 years

CTC: 18-20LPA max

Job Summary

We are looking for a confident and proactive professional who will help the team ensure, understand and manage the credit risk they will be exposed to. The incumbent ensures that through his performance the credit risk exposure of the bank is within acceptable parameters. They will be the reservoirs of information for credit performance, to build and optimize credit strategies.

It is expected of the candidate to be strong in numerical skills along with dealing with complexities, commercial and business awareness along with good presentation and communication skills is the key.

Work Responsibilities

• To deal in Pre and Post sanctions credit activities for the corporate clients
• To conduct Credit rating process for the corporate clients
• To review credit proposals both fund based and non-fund based for corporate clients
• To take for all kinds of audit i.e statutory/RBI/HO related to credit activities
• Preparation and submission of all necessary reports to the regulator specified for the credit department
• Issuance of sanction letter as per the terms and conditions of approved Term Sheet
• Documentation-Issuance of security documents as per the terms of sanction
• Interact with clients and negotiate, if need be, on the format of documents, refer to legal / approvers with appropriate justification on the changes suggested and Get the documents executed from the clients.
• Verification of Constitutional documents (MOA, Partnership Deed, etc.), Authorizations (BR, Partnership, Letters, etc.) for availing facilities, creating security, execution of documents and scrutiny of executed documents to ensure proper execution.
• ROC / CERSAI compliances Arranging filing of necessary forms with ROC and CERSAI.
• Disbursement Ensuring proper execution of documents / compliance with the terms and conditions of sanction and receipt of approvals for deferrals

Desirable Skills and Qualifications

• Masters or Bachelor’s degree in finance, accounting & any other business-related field. CA/CFA’s good to have but not necessary
• 3 – 5 years of relevant experience, working for corporate banking segment
• Strong proficiency in MS Office
• Strong attention to details and quantitative aptitude
• Impeccable understanding of financial statements, ratios and concepts
• Ability to manage the stakeholders
• Good at interpersonal skills and relationship building internally & externally
• Flexibility and ability to deal with ambiguous situations