Role & responsibilities
- Responsible for presenting all the findings related to loan applications to Area Credit Manager.
- Once the file has been logged in by SME RO/ABM , BCM will check the complete case such as - Cibil reports of borrowers, house and business pictures, bank statements, etc.
- Post screening the loan application, visit the residence & the business premises of borrower.
- Conduct telephonic as well as physical reference checks before sending the case for further process and decision making.
- Responsible to complete the PD visits and to process cases of assigned branch within TAT.
- Ensure proper verification of all the documents related to KYC, ownership, financial documents, banking & its authenticity.
- Organise monthly meetings within branch to discuss about the changes in product and policies with Branch team.
Preferred candidate profile
- Minimum graduate and 3year of experience as Credit Officer /Credit Underwriter for Individual Loan/Business Loan
- Solid teamwork and interpersonal skills.
- Good communication and problem-solving skills.
- Ability to work under pressure and meet deadlines.
- Strong geographical knowledge.
- Local candidate will be preferred.
- Verbal and written proficiency in local language is mandatory
- Need to know how to operate Desktops/Laptops
- Willing to travel and work extensively in rural areas.
- Should be able to drive a two-wheeler and hold a valid driving license.