Job Description

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc

About the Role:

The Circle credit officer, a part of the Commercial Banking team in the Circle, works with the Centre Head, Credit Analyst and RMs in the Circle on credit proposals. The CCO advises Centre Heads on proposals and reviews the notes submitted by the Credit Analysts.

It is the CCO's responsibility to ensure that the notes submitted by the Credit Analyst are within the TAT, in line with the Credit policy and meeting the expectations in terms of the quality.

Key Responsibilities:
Advising Centre Heads and reviewing credit proposals drafted by Credit Analysts
Pre-sanction unit visit for certain proposals to determine valuation and credit worthiness




Maintaining TAT for NTB/enhancement proposals
Ensuring timely review and submission of status notes, stale ratings, etc.
Timely submission of replies to queries from Audit teams
Transaction structuring and working on high value NTB along with RMs
Ensuring Review/Renewal within due date for the Circle
Exit/upgrade of accounts based on early warning signals

Qualifications:

Optimal qualification for success on the job is:
Post Graduates/Graduates/CAs
Good academic background
Experience in a credit workplace

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:
Positive understanding of credit appraisal and financial analysis
Valuable communication (both verbal and written) skills in both English and the local language
Come AsYou Are We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply

📌 Cbg:circle Credit Officer Kolkata
🏢 Axis Bank
📍 Kolkata