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

Axis Bank

8 - 12 years

10 - 14 Lacs

Bengaluru

Posted:1 day ago| Platform:

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Skills Required

EMI Loans credit approval Retail Underwriting Credit risk banking products Wholesale Risk mitigation Personal loans

Work Mode

Work from Office

Job Type

Full Time

Job Description

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 we'll 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

Diploma/ Graduation from a recognized institute

Role Proficiencies

Knowledge of credit, banking regulations and norms
Maintain a high level of knowledge of banking products and services
Good communication (both verbal and written) skill in both English and the local language
Ability to handle pressure and meet deadlines

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