Credit Officer Location: Bengaluru, Karnataka, India
Work Arrangement: In office 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 opportunity with one of our
financial services clients.