MSME | Credit Officer | SMG|S|IV

Roles & Responsibilities:

 Interaction with Credit Officers and to provide guidance, wherever required.

 Coordinating with Credit Officers for visit to customers, sales officers in case of incomplete information as per the checklist provided.

 Coordinating with Advocates/valuer for their services in a time bound manner.

 Participation with Head– Sales, wherever needed at meetings with Industry Associations/SME meets.

 Monitoring the workflow of Credit team to ensure compliance of time norms for disposal of applications.

 Finalizing the appraisal note and Recommending cases to authority.

 Coordinating with Relationship Managers for disbursement.

 Associating in conducting pre-sanction visit of new borrowers’ unit and submission of report, wherever required.

 Meeting with Promoters/financial controllers in case of professional management.

 Allocating proposals for processing by Credit Officers.

 Coordinating with various higher authorities for quick disposal of proposals and with branches for availment/disbursement.

 Submit Performance Report at given periodicity or as required by authorities

 All Job roles of Credit Mid office including but not limited to Monitoring the workflow of Relationship and Monitoring team to ensure compliance of time norms for disposal of applications and collections received thereupon.

 Recommending cases to SME Branch in case of review/ RWI

 Coordinating with Relationship Managers for Collections and Monitoring of account.

 Associating in conducting pre-sanction visit of existing borrowers’ unit as per frequency of Bank’s Guidelines and submission of report accordingly

 Meeting with Promoters/financial controllers in case of professional management.

 Allocating accounts to Relationship Managers.

 Monitoring delinquency movement of the existing portfolio, composite and industry wise. Capturing the early warning signals in the account and taking corrective steps in consultation of Branch head and Zonal Head.

Education Qualification:

Mandatory –

Graduate in any discipline

Preferred –

Post-Graduation Degree/Diploma in Management with Specialization in Finance/Banking/Forex/Credit

OR

CA/CMA/CFA

Work Experience:

> Minimum 8 years of experience of Credit appraisal, preferably in MSME Banking with any Bank/NBFC/Financial Institution in India.

(However, for candidates having CA/CMA/CFA qualification minimum experience required is 7 years. Further their experience of up to 2 years, with a registered CA firm can be included for the purpose of work experience)

OR

> Minimum 7 years of experience as Analysts in RBI approved Rating Agencies.

The details shared here are for quick reference only. For more details, T&C, and to apply for the Job please refer to the career section of the Bank's website or click here: - https://www.bankofbaroda.in/career/current-opportunities/recruitment-of-specialist-officers-in-bank-of-baroda