Credit Officer

Job Description Of credit Manger

Position – Credit Manger
Location: Gopal Pura bypass , Jaipur , Rajasthan

Qualification

·       Bachelor’s degree in Any Stream and MBA.

·       Minimum 3–4 years of experience in NBFC Finance company.

·       Experience in handling LAP, Vehicle, and MSME loans is required.

·       Strong analytical and problem-solving abilities

Walk – In Interview

Date: 23/04/2025 To 30/04/2025

Timing: 12pm To 5pm

 Roles And Responsibilities

         I.            Reviewing credit applications from potential customers to determine whether they qualify for loans

       II.            Mapping client’s requirements providing customized collaterals; understanding their functional processes requirement through interviews / discussions

     III.            Maintain Credit TAT

    IV.            Manage Credit Underwriting as per policy

      V.            Disbursal of loans including all checks and verifications

    VI.            Conduct personal discussion with customers to establish Credit worthiness.

   VII.            Pre and post sanction credit risk compliance.

 VIII.            Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).

     IX.            Stay up to date on the latest trends and developments in the credit underwriting industry.

       X.            Operations Management

     XI.            Drives efficient day-to-day operational running of the department measured by no Client complaints and all SLAs met.

   XII.            Attends regular operations meeting and client calls.

 XIII.            Verification of all key deal terms (Agreement Amount, Tenure, Interest Rate, Interest reset details etc.) sanctioned v/s executed Verification of all key deal terms, pre-sanction and pre-disbursement conditions prior to circulation of disbursement memo to all stakeholders as per defined approval matrix

 XIV.            Tracking, monitoring and driving closure of all open pre and post disbursement conditions.

   XV.            Responsible for all loan disbursements and company losses related to disbursements.

 XVI.            Checking and verification of critical single borrower and group borrower limits prior to disbursement

XVII.            Proper satisfaction of KYC requirements and Loan Application form from borrowers as per defined KYC checklist, pre-sanction checklist etc.

XVIII.            Conduct of proper regulatory checks (CIBIL, RBI and other caution lists, World Check etc.)

 XIX.             Ensuring all sanctioned terms and conditions including clauses pertaining to security have been accurately incorporated in the Sanction Letter.

   XX.             Ensuring that Sanction Letter has been signed by the authorized signatories and duly acknowledged by the borrower

 XXI.            To ensure executed documents are duly signed by an authorized signatory - both at Lender & Borrower's side.

• It is a Full Time Field Sales job for candidates with 3 - 4 years of 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 3 - 4 years of experience of experience
2. How much salary can I expect for this job role?
   Ans: You can expect a salary of ₹25000 - ₹45000 per month that depends on your interview. It's a Full Time job in Jaipur.
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., RKP FINANCE PRIVATE 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 3 Credit Officer at RKP FINANCE PRIVATE LIMITED
7. Who can apply for this job?
   Ans: Only Male candidates can apply for this Field Sales job.
8. What are the timings of this Credit Officer job?
   Ans: This Credit Officer job has 10:00 AM - 07:00 PM timing.