Credit Officer

Roles and Responsibilities :

·              Monitoring delinquency parameters through constant interactions with the collections      team, analyzing trends and suggesting learnings out of the same.

• Credit Appraisal of Loan applications within defined guidelines and accordingly take the decision or recommend for approval to higher authorities

• Use performance history along with liquidity, debt/asset management

• Underwriting cases with the desired level of quality and enabling achievement of Branch• Business target by proper training.

• profitability ratios to assess creditworthiness in evaluation Interact with Customers & understand the business and regularly monitor delinquencies/infants. Decision making within defined TAT

• Coordinating with sales, operations, legal, technical and customer service

• Financial analysis and In-depth eligibility calculation of cases of LAP as per defined policy programs.

·         Co-ordinating with vendors for technical, legal etc reports.

·         Delinquency management.

·         Tracking emi bounced cases and analysing such cases for future actionable.

·         MIS monitoring with correct information.

·         Tracking TAT of each and every case.

·         Assessment of borrowers profiles , repayment capacity and income stability

• Understand and interpret results of financial analysis, banking analysis and bureau report

• Analysis of all customer related information in line with credit & risk policy to check eligibility

• Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement

• Visiting business premise, property and residence of customer

• Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & finding

• It is a Full Time Back Office / Data Entry job for candidates with 1 - 6+ years Experience.

More about this Credit Officer job

1. What is the eligibility criteria to apply for this Credit Officer job?
   Ans: The candidate should be Graduate and above and above with 1 - 6+ years Experience of experience
2. How much salary can I expect for this job role?
   Ans: You can expect a salary of ₹10000 - ₹30000 per month that depends on your interview. It's a Full Time job in Noida.
3. How many working days are there for this Credit Officer job?
   Ans: This Credit Officer job will have 6 working days.
4. Are there any charges applicable while applying or joining this Credit Officer job?
   Ans: No, there is no fee applicable for applying this Credit Officer job and during the employment with the company, i.e., NOBLE CO-OPERATIVE BANK LIMITED.
5. Is it a work from home job?
   Ans: No, it’s not a work from home job and can't be done online.
6. How many openings are there for this Credit Officer role?
   Ans: There is an immediate opening of 1 Credit Officer at NOBLE CO-OPERATIVE BANK LIMITED
7. Who can apply for this job?
   Ans: Both Male and Female candidates can apply for this Back Office / Data Entry job.
8. What are the timings of this Credit Officer job?
   Ans: This Credit Officer job has 10:00 AM - 06:30 PM timing.