As a Credit Officer, you will play a vital role in our company's financial operations. Your primary responsibility will be to oversee and manage credit-related activities, ensuring smooth and efficient processes. You will work closely with our back-office team, providing support and guidance to ensure compliance with regulations and company policies. Your customer-centric approach will be key in maintaining positive relationships and delivering an exceptional experience.
Responsibilities
Manage and oversee credit operations, including loan processing and approval.
Ensure compliance with credit policies, regulations, and internal guidelines.
Review and analyze credit applications, financial statements, and other relevant documents.
Conduct credit risk assessments and make informed decisions on loan approvals.
Maintain accurate records and documentation for all credit-related activities.
Provide excellent customer service, addressing inquiries and concerns promptly.
Build and maintain robust relationships with customers, fostering trust and satisfaction.
Collaborate with the back-office team to streamline credit processes and improve efficiency.
Stay updated with industry trends, best practices, and regulatory changes in the credit sector.
Report and escalate any potential credit risks or issues to the relevant stakeholders.
Qualifications
Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
Minimum 3 years of experience in a credit-related role, preferably in the BFSI industry.
Strong knowledge of credit policies, regulations, and compliance standards.
Excellent analytical and decision-making skills, with the ability to assess credit risk.
Proficiency in using credit analysis tools and software.
Effective communication and interpersonal skills, with a customer-centric approach.
Ability to work independently and manage multiple tasks simultaneously.
Attention to detail and a commitment to accuracy in credit-related documentation.
Stro