Credit Officer

Job Description

Roles & Responsibilities:
• Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility
• Customer Interaction to understand needs, finds solutions within the product range available
• Calculation of Net Present Values of maturing assets using excel sheets or programs
• Knowledge of basic legal documentation involved in an acquisition of a home
• Knowledge of technical fundamentals involved in an acquisition of a home
• Cash flow method of assessment of NRI Loans, Ability to assess a Salaried Loan
• Sanctioning :- File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, Keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.
• Disbursement: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing.
• Project Approval – Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.

Location:
Coimbatore, Trivandrum, Vadodara

Branch:

Experience:

1 - 3 years

Salary Range:

As per industry standard

Functional Area:

Credit Officer

Employment Type:

Permanent

Desired Candidate Profile:
• Candidate must be a graduate from any stream (preferable commerce or finance background)
• At least 1 year of relevant work experience in Credit –specifically Salaried (Preferably Full-time MBA Finance)
• Effective communication skills
• Analytical abilities
• Solution orientation, Ability to work under time pressures
• Good organization skills