548 Credit Officer jobs in India
Credit Officer
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Position: Housing Loan Sales Credit Officer
Location: Chennai
Job Overview:
The Housing Loan Sales Credit Officer is responsible for evaluating and processing housing loan applications, ensuring that applicants meet the banks or financial institutions credit standards. This role combines sales skills with a strong understanding of credit analysis to assess the financial viability of loan applications and recommend appropriate credit decisions. The officer will work closely with sales teams, customers, and other departments to ensure efficient loan processing and disbursement.
Key Responsibilities:
1. Credit Assessment and Evaluation:
Review housing loan applications to determine the eligibility of applicants based on the banks credit policies and guidelines.
Analyze customer financial data (income, liabilities, credit history, and property evaluation) to assess the ability to repay the loan.
Perform credit checks, assess the risk involved, and recommend whether to approve, reject, or modify loan terms based on the evaluation.
Ensure the correct application of credit policies and procedures in the approval process.
2. Collaboration with Sales Teams:
Work closely with the housing loan sales team to gather and verify customer documents and financial data.
Provide guidance and support to sales executives regarding credit eligibility and loan processing requirements.
Assist in structuring loan deals based on customers needs and financial situations.
3. Customer Interaction and Support:
Communicate with customers regarding loan approval status, required documentation, and any discrepancies found in the application.
Answer customer queries related to credit policies, loan eligibility, and terms.
Ensure a smooth customer experience by providing clear information and helping customers navigate the loan process.
4. Risk Management and Compliance:
Ensure compliance with all relevant regulations, internal policies, and credit guidelines in loan processing and approvals.
Identify potential risks in the loan application and make informed decisions to mitigate those risks.
Maintain accurate records of credit assessments, loan applications, and approvals.
5. Documentation and Reporting:
Prepare and maintain detailed records of all credit decisions, loan applications, and supporting documentation.
Generate reports on the status of loan applications, approval rates, and any issues related to the credit evaluation process.
Keep senior management updated on the performance of the housing loan portfolio and any emerging trends or risks.
6. Training and Development:
Stay updated with the latest market trends, credit risk management techniques, and regulatory changes.
Assist in training and mentoring junior staff or new hires in credit assessment and loan processing procedures.
Skills and Qualifications:
Education: Bachelors degree in Finance, Accounting, Business Administration, Economics, or related field.
Experience: 2-4 years in a credit analysis or housing loan processing role, preferably within a bank or financial institution.
Skills:
Strong understanding of credit risk assessment and loan documentation.
Proficient in analyzing financial statements, credit reports, and property valuations.
Excellent communication skills to liaise effectively with customers and internal teams.
Strong attention to detail and ability to manage complex information.
Knowledge of relevant financial software and tools (e.g., MS Excel, loan management systems).
Personal Attributes:
Analytical thinker with a keen eye for detail.
Strong decision-making and problem-solving abilities.
Ability to work under pressure and meet deadlines.
Customer-focused with a high level of professionalism and integrity.
Working Conditions:
Full-time position, with possible extended hours during peak application periods.
Occasional travel may be required for client meetings or property evaluations.
Compensation:
Competitive salary with performance-based incentives/bonuses.
This position offers a challenging yet rewarding opportunity for those with a keen eye for credit risk management and a passion for helping customers secure housing loans. The role requires a blend of analytical skills, sales support, and excellent customer service.
Credit Officer
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Job Description
30 below
Qualification: degree Female or male
Achieve monthly sales target through Branches. maintaining excellent relationship with employees of branches by doing cold calling and field work in market if requires
Salary 19k+ pf+ESI Incentive
Location : ALL KERALA
**Salary**: ₹19,000.00 - ₹21,000.00 per month
Schedule:
- Day shift
Ability to commute/relocate:
- Neriyamangalam, Kerala: Reliably commute or planning to relocate before starting work (required)
**Experience**:
- total work: 1 year (preferred)
**Speak with the employer**
+91
Credit Officer
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Field investigation is being done by the sales executive.
Credit executives will process the file and make sure the file is fully complied with credit policies of the company and any deviation has to be approved by the credit head with appropriate reason
collecting cash in case of customers visiting the office
intime sending the agreement files to HO without fail.
Coordinating with team and responding to calls
**Job Types**: Full-time, Regular / Permanent, Fresher
**Salary**: ₹12,000.00 - ₹15,000.00 per month
**Benefits**:
- Health insurance
- Provident Fund
Schedule:
- Day shift
- Monday to Friday
Supplemental pay types:
- Performance bonus
**Education**:
- Bachelor's (preferred)
**Experience**:
- total work: 1 year (preferred)
- Typing: 1 year (preferred)
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+91
- Health insurance
Credit Officer
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- having at least 2 years of working knowledge with computer, MS Office
- Should be able to read, write and understand English with fleuency
**Job Types**: Full-time, Regular / Permanent
**Salary**: ₹9,000.00 - ₹18,000.00 per month
**Benefits**:
- Paid sick time
Schedule:
- Day shift
**Education**:
- Bachelor's (required)
**Experience**:
- Data entry: 2 years (required)
- total work: 2 years (required)
**Language**:
- English (preferred)
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+91
Credit Officer
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Urgent Requirement.
Designation : *Credit Officer*
Job Location : *Coimbatore Dt.*
Experience : *1+ Years*
Note: *JLG knowledge must.
Salary : 14500 + experience basis
**Job Type**: Regular / Permanent
**Salary**: From ₹14,500.00 per month
**Benefits**:
- Cell phone reimbursement
- Health insurance
- Leave encashment
- Life insurance
- Provident Fund
Schedule:
- Day shift
Supplemental pay types:
- Performance bonus
Ability to commute/relocate:
- Coimbatore, Tamil Nadu: Reliably commute or willing to relocate with an employer-provided relocation package (required)
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+91
Credit Officer
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- CREDIT OFFICER POST (MUTHOOTTU MINI MICRO FINANCE DIVISION)
3 YEAR DEGREE COMPULSORY (PASSED)
MALE OR FEMALE CAN APPLY
DRIVING LICENSE WITH OWN BIKE OR SCOOTER
ONE YEAR FINANCIAL FIELD EXPERIENCE COMPULSORY
**Job Types**: Full-time, Permanent, Fresher
**Salary**: ₹18,500.00 - ₹21,500.00 per month
**Benefits**:
- Cell phone reimbursement
- Health insurance
- Provident Fund
Supplemental pay types:
- Yearly bonus
**Experience**:
- total work: 1 year (preferred)
Work Location: In person
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+91
Credit Officer
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9.00 TO 5.30 PM SHIFT
LOAN VERIFICATION, BRANCH WORK, TEAM HANDLING
MINIMUM 2 YEAR EXPERIENCE IN MICRO FINANCE
QUALIFICATION -DEGREE
TWO WHEELER AND DRIVING LICENCE MANDATORY
KALADY
Pay: ₹17,500.00 - ₹20,000.00 per month
**Benefits**:
- Cell phone reimbursement
- Provident Fund
Supplemental pay types:
- Performance bonus
- Yearly bonus
Work Location: In person
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Credit Officer
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Multiple locations
- Department- WEST CREDIT HOUSING- Job posted on- Jul 10, 2024- Employee Type- Permanent- Experience range (Years)- 1 year - 4 years**Group Company**: Ujjivan Small Finance Bank
**Designation**: Credit Officer-Housing (UB-CRHSG-WCRHSG-COH)
**Office Location**: West 4406-Akurdi, West 4443-Makarpura Road, West 4465-Nava Vadaj, West 4493-Latur
West 4431-Kapodra
West 4435-Borivali
West 4409-Nashik Road
West 4428-Udhana
West 4411-Koparkhairne
West 4408-DP Road
West 4455-Samarth Nagar
West 4496-C A Road
West 4458-Solapur
West 4448-Ankaleshwar
West 4420-Dombivli
West 4464-Kolhapur
West 4495-Byramji Town
West 4475-Bhusawal
West 4474-Jalgaon
West 4442-Harni Road
West 4416-Kalyan
West 4482-Mavdi Chowk
West 4483-Shastri Maidan
West 4505-Virar
West 4404-Hadapsar
West 4517-Godhara
West 4480-Himmatnagar
**Position description**: Credit OfficerHousing
**Primary Responsibilities**:
- Credit Management Policy Processes Maintains Credit policy and process adherence in the Branch Coordinate with Legal Technical Agencies Underwriting Carry out detailed business analysis and recommend a proposal to the delegated authority Visit each case within prescribed TAT Prepare CAM and Financial Analysis for the case Visit neighbours suppliers customers for the reference checks Visit property and conduct due diligence in identifying the property
Credit Officer
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**Location**: Delhi
**Department**: Credit
**Reports To**: Team Leader
**Job Overview**:
**Key Responsibilities: Loan Processing & Credit Assessment**:
- Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms.
**Documentation pre-Loan Disbursement**:
- Verify KYC, salary slips, bank statements, and other loan agreements before disbursement.
- Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations.
- Educate borrowers on loan terms, repayment schedules, and penalties.
- Coordinate with finance teams for timely loan disbursements.
**Collections & Recovery**:
- Monitor active loans and track overdue accounts.
- Negotiate repayment plans and settlements to optimize recovery.
- Escalate non-recoverable loans to recovery teams if necessary.
**Customer Relationship Management**:
- Maintain strong customer relationships to improve repayment rates.
- Address borrower queries and educate them on responsible borrowing.
**Qualifications & Skills**:
- **Education**: Bachelor’s degree in Finance, Commerce, Accounting, or a related field.
- **Experience**: Preference for experience in credit assessment & collections (NBFC/ loans).
- **Technical Skills**: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis.
- **Soft Skills**: Good analytical, negotiation, and communication skills.
- **Key Competencies**: Quick decision-making, problem-solving, and adaptability in dynamic financial environments.
**Work Conditions**:
- Fixed working hours (10 AM to 6 PM, 06 days a week).
**Job Types**: Full-time, Permanent
Pay: ₹15,000.00 - ₹22,000.00 per month
**Benefits**:
- Paid sick time
- Provident Fund
Schedule:
- Day shift
**Experience**:
- 0-4: 1 year (required)
**Location**:
- Dwarka, Delhi, Delhi (required)
Work Location: In person
Credit Officer
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**Key Responsibilities**:
- Ensure timely tax filings, computations, and compliance with regulatory requirements.
- Securely manage and back up financial data while maintaining confidentiality.
- Prepare accurate financial statements, balance sheets, and profit/loss reports.
- Oversee daily financial transactions, including accounts payable, receivable, and reconciliations.
**Job Requirements**:
Pay: ,000.00 - ,000.00 per month
**Benefits**:
- Health insurance
- Paid time off
- Provident Fund
Work Location: In person