RC - Credit Officer - CV / CE - NPC

RC - Credit Officer - CV / CE - NPC

INTERNAL USAGE : No. of Vacancies :

Reports to :

Regional Credit Manager

Is a Team leader

Team Size : NA

Grade : Business :

Corporate Center

Department : Retail Credit

Sub - Department : CVCE Credit

Location :

About Wholesale Credit

The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes

About the Role

The Credit Officer CV / CE manages the credit activities and processes for Commercial Vehicle and Construction Equipment products under Retail Credit. The Credit officer is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank for Credit Processing Centre

Key Responsibilities

Underwriting / review of Credit Proposals including Review / Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy / scheme

Qualifications

Graduation / Post- Graduation (MBA / CA preferred) from a recognized institute

Experience of at least 2 years in assessing credit of Commercial Vehicle and Construction Equipment Product

Role Proficiencies :

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

Knowledge of credit, relevant industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Ability to handle pressure and meet deadlines

Skills Required

Credit Underwriting, Credit Appraisal, Market Intelligence