Job Summary

Cherussery Finance Private Limited is looking for a responsible and detail-oriented Credit Officer to evaluate loan applications, assess customer creditworthiness, verify documents, and ensure proper credit processing in accordance with company policies and procedures.

Key Responsibilities
- Review and evaluate loan applications and supporting documents.
- Assess customers’ income, repayment capacity, financial position, and credit history.
- Check and analyse CIBIL/credit bureau reports.
- Conduct or coordinate field investigations and customer verification.
- Verify KYC, income, bank statements, business details, and other relevant documents.
- Identify credit risks, discrepancies, and potential fraud.
- Prepare credit appraisal reports and provide recommendations.
- Ensure all required documentation and approval conditions are completed before disbursement.
- Coordinate with Branch Managers, Relationship Managers, Field Officers, Accounts, and Collection teams.
- Ensure compliance with company credit policies, SOPs, and applicable regulatory requirements.




- Monitor loan accounts and identify early warning signs of repayment issues.
- Maintain accurate credit records and support internal and statutory audits.
- Escalate policy deviations, high-risk cases, and irregularities to the concerned authority.

Requirements
- Graduation in Commerce, Finance, Business Administration, Economics, or a related field.
- 1–3 years of experience in credit, banking, NBFC, finance, loan processing, or a related field is preferred.
- Knowledge of CIBIL/credit assessment and loan documentation.
- Positive analytical and decision-making skills.
- Good communication and interpersonal skills.
- Basic knowledge of MS Office and MS Excel.
- Strong attention to detail and verification skills.
- Ability to work independently and meet deadlines.
- High level of integrity and confidentiality.

Preferred Candidate

Candidates with experience in NBFCs, banks, microfinance, or financia

📌 Credit Officer (Thrissur)
🏢 Cherussery Finance Private
📍 Thrissur