Job Title: Credit Evaluation Officer

Location: Khozikhade / Kochi

Experience: 2–5 Years

Salary : 30 k to 35k per month

Job Summary

We are seeking a detail-oriented Credit Evaluation Officer responsible for assessing loan applications, analyzing financial statements, and evaluating creditworthiness to minimize risk and ensure quality lending decisions.

Key Responsibilities

Analyze financial statements, bank statements, ITRs, and credit reports.

Conduct credit risk assessment and prepare detailed credit appraisal notes.

Evaluate customer repayment capacity and recommend approval/rejection.

Ensure compliance with internal credit policies and regulatory guidelines.

Coordinate with sales and operations teams for documentation and disbursement.





Monitor existing loan accounts and identify early warning signals.

Maintain accurate MIS reports and portfolio quality.

Key Skills Required

Strong financial analysis and ratio analysis skills.

Knowledge of banking/NBFC credit processes.

Understanding of CIBIL and credit bureau reports.

Positive communication and decision-making ability.

Proficiency in MS Excel and financial software

Pay: ₹30,000.00 - ₹35,000.00 per month

Application Question(s)

- how many yrs into Credit analys for loan processing
- Are you in Kochi
- What is CTC & Notice period

Work Location: In person

📌 Loan Credit Officer (Kochi)
🏢 xcela
📍 Kochi