RC & WC - Underwriting : CPC Credit Officer - Retail Credit

The Credit Officer is responsible for the appraisal and approval of the loan application on the basis of the power delegated to the and for onward recommendation of the same to the credit team.

Key Responsibilities :

• Appraise or underwrite the loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
• Assess the income, ability, intention, and credit behavior of the applicant and verify it documents and reference checks as well as from credit bureaus
• Evaluate all the credit risk parameters and implement measures to mitigate the same
• Prepare the Credit Approval Memo and manage the overall TAT and approval rate
• Ensure complete adherence to the laid down policy and procedure / process

Qualifications :

Optimal qualification for success on the job is :

Role Proficiencies :

For successful execution of the job, the candidate should possess the following :