Credit Officer MSME

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  • Location:
  • Salary:
    negotiable / month
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  • Posted:
    2 days ago
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Skill: credit officer , banking , mortgage , portfolio , branch credit manager , credit underwriting , lending , credit executive , underwriting , query resolution , risk; Exp: 0-2 years; Credit Officer MSME – 20298 Description JOB DESCRIPTION Basic Information Position Title DO/Credit Executive/ACO Grade/Level MT/M-1/M-2 Vertical MSME Location Business Department Credit Organizational Relationships Position Reporting to Branch Credit Manager Direct Reports if any NA Job Purpose A credit executives primary role is to underwrite the deals sourced by the sales team and ensure that we maintain a healthy and profitable portfolio at the branch / hub that is taken care of by the CE. Qualification 10 2, graduate or post graduate Relevant Experience 0-2 years preferable relevant expirence of primary credit underwriting including customer interaction for proposed lending.. Functional Compentencies Basic Knowledge of Mortgage Business. Basic knowledge of Credit bureau check, property valuation,legal reprots & documentation. Should have a good know how of computer skills and have a good hand in data entry Excel and MIS management. Should have knowlede of banking and financial parameters of a prospect MSME borrower and document management Behavioural Compentencies Simplicity and Humility,Hard work and Detailed orientation,Integrity,Dramatic Growth,Customer Focus Job Responsiblities Financial Responsibilities Managing file processing with ownership of a prospect MSME borrower from login to disbursal with in company’s designed policy and procedures. To Ensure that file is complete as per checklist and compliant to all sanction conditions To Ensure that there are no holds in the file while booking Have to act as seamless backend support for MSME disbursal. Have effective Cordination with MSME vendors . Do a proper Follow up with MSME customer’s post disbursal activity. To keep highest current portfolio percentage Maintaining MSME MIS of the customer’s To Ensure that all prescribed desktop checks are conducted while underwriting the proposal Non Financial Responsibilities Proper effective regular follow up with customer in pre and post disbursal’s for a prospect MSME customers. Organise and Performs his Job responsibility with in prescribed TAT Coordiantion skills with various internal and external vendors and departments Coordiantion with Vendors. Management of MIS incorporating critical process steps positions regarding credit underwriting cycle Compliance & Risk Responsiblities PDD Management and Audit Query resolution Maintaining confidentiality of information obtained from clients. Maintaing confidentiality of company’s information – not to share with anybody out of office in any form (Verbal , written , mail or any other form) safeguarding company’s assets provided for servicing job responsibilities like ID Card , SIM card, stationary, digital system etc. Key Interactions Internal External Credit, Business, Collections, MIS, Ops , Internal Audit Customers, Legal and techincal vendors Documented By Approved By Approved By Job Credit Officer MSME Primary Location Madhya Pradesh_Region_MP-MP-2-Indore_Vijay Nagar_Asset Center Organization Asset Credit & FI Schedule Full-time

Banking -General


Experience: 0-2

Function: Finance / Insurance Services