RC - Credit Officer - CVCE Retail Credit
INTERNAL USAGE:
No. of Vacancies:Reports to:Regional Credit Manager
Is a Team leaderNTeam Size:NA
Grade:
Business:Corporate CenterDepartment:Retail CreditSub-Department:CVCE Credit
Location:
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a positive portfolio quality and for ensuring smooth credit appraisal processes
AbouttheRole
The CPC Credit Officer CV/CE manages the credit activities and processes for Commercial Vehicle and Construction Equipment products under Retail Credit. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank for Credit Processing Centre
Key Responsibilities
Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency
Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio
Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme
Qualifications
Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
Experience of atleast 2 years in assessing credit of Commercial Vehicle and Construction Equipment Product
Role Proficiencies:
For successful execution of the job, the candidate should possess:
Knowledge of credit, relevant industry and product trends
Knowledge of regulatory guidelines and norms
Good communication (both verbal and written) skill in both English and the local language