Credit Officer

Location: Bengaluru, Karnataka, India

Work Arrangement: On-site

Employment Type: Full-time

About the Opportunity

One of our financial services clients is looking for a Credit Officer to facilitate business loan portfolio growth and protect the bank from loss while maintaining acceptable asset quality. The role involves evaluating credit applications for recommendation and assessing the risks associated with transactions.

Key Responsibilities

- Independently analyze, or at times work with more Senior Credit Officer, to evaluate the risk of adding a particular transaction to the bank's loan portfolio.

- Identify additional information requirements needed to properly assess risks of the transaction.

- Understand and assess the customer's business model and its viability in the long run.

- Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business.

- Consider alternative credit structures to mitigate risk where appropriate.

- Recommend action to be taken on credit, identify key risks and information requirements.

- Ensure that credit facilities presented are properly graded.





- Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.

- Usually work independently with limited direct supervision and serve as a resource for less experienced Credit Officers.

Minimum Skills, Experience and Qualifications

- 5–7+ years' experience as a credit underwriter or similar position requiring business knowledge and credit judgment.

- Postgraduate or an advanced degree in business management, finance or accounting.

- Ability to formulate and articulate objective views based on professional analysis.

- Thorough knowledge of credit philosophy, Risk Guidelines and policies, loan documentation, bankruptcy and related legal issues.

- Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.

- Good organization skills and ability to work within time constraints in a highly regulated industry.

- Ability to work effectively in a team environment, while assuming individual responsibility and helping develop junior level analysts.

Apply Now

If your experience aligns with the requirements above, apply for this Credit Officer prospect with one of our financial services clients.

📌 Credit Officer (Bengaluru)
🏢 PrimeTalentBridge
📍 Bengaluru