JOB DESCRIPTION ÔÇô OFFICER ÔÇô CREDIT & RISK

Position Details
Designation: Officer ÔÇô Credit & Risk
Department: Credit & Risk
Location: Surat
Reporting To: Manager ÔÇô Credit & Risk / Director
Experience: Minimum 2 Years
Qualification: PG in Finance ÔÇô CA / CMA / MBA (Finance)

Job Summary

Responsible for analyzing the financial position and creditworthiness of recent and existing clients, conducting due diligence, identifying risks, preparing credit assessments, and providing recommendations. Responsible for achieving department-wise targets and maintaining strong relationships with clients, banks, and the marketing team.

Key Responsibilities
Analyze financial statements, business performance, cash flow, repayment capacity, and creditworthiness.
Conduct credit analysis, due diligence, and risk assessment.
Identify financial and business risks and provide recommendations.
Prepare credit assessment reports and maintain proper documentation.
Coordinate with clients, banks, marketing, and internal teams for required information and approvals.




Build and maintain healthy relationships with clients and banking partners.
Prepare renewal files well in advance and follow up on pending documents.
Manage multiple files and ensure timely completion of assigned cases.
Achieve department-wise targets within defined TAT.
Support management in credit and risk-related decisions.

Turnaround Time (TAT)
Real Estate: Within 60 Days
SME: Within 45 Days

Required Skills
Credit & Risk Analysis
Financial & Financial Statement Analysis
Due Diligence & Risk Identification
Industry & Business Understanding
MS Excel & Basic Financial Modelling
Analytical & Decision-Making Skills
Multitasking & Time Management
Client & Bank Relationship Management
Communication, Coordination & Follow-up
Documentation & Compliance

Candidate Profile

A finance skilled with solid analytical ability, attention to detail, financial knowledge, and the capability to manage multiple credit cases while meeting defined TAT and targets.

📌 Officer Credit & Risk Surat
🏢 HRdians Consultancy
📍 Surat