Group Company: AU Small Finance Bank Limited

Designation: Credit Officer LAP

Office Location:

Position description: #Position description#

Primary Responsibilities: #Primary Responsibilities#

Additional Responsibilities: #Additional Responsibilities#

Reporting Team

- Reporting Designation: #Reporting Designation#
- Reporting Department: #Reporting Department#

Educational qualifications preferred

#Education and Experience#

- Category: #Category#
- Field specialization: #Field specialization#
- Degree: #Degree#
- Academic score: #Academic score#
- Institution tier: #Institution tier#

Required Certification/s: #Required Certification/s#

Required Training/s: #Required Training/s#

Required work experience

- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#

Job Brief:- AU Small Finance Bank Limited is seeking a detail-oriented and experienced Credit Officer specializing in Loan Against Property (LAP) to join our Credit Department. The role involves comprehensive evaluation, processing, and sanctioning of LAP credit proposals while ensuring adherence to the bank's credit policies and regulatory guidelines. The ideal candidate will play a critical role in risk assessment, customer relationship management, and portfolio monitoring to support the bank's growth in the financial services sector. This position requires strong analytical skills, sound judgment, and the ability to work collaboratively within a dynamic team environment to drive credit quality and business objectives.Responsibilities:-





- Conduct thorough credit appraisal and risk assessment of Loan Against Property applications in compliance with the bank’s credit policies and regulatory standards.
- Analyze financial statements, property valuations, and borrower creditworthiness to determine loan eligibility and appropriate credit limits.
- Coordinate with internal teams and external agencies for due diligence, legal verification, and documentation related to LAP proposals.
- Prepare detailed credit proposals and present them to the credit committee for approval, ensuring accuracy and completeness of information.
- Monitor and review the performance of sanctioned LAP accounts, identifying early warning signals and recommending corrective actions to mitigate credit risk.
- Maintain strong relationships with customers, understanding their financial needs and providing guidance on loan products and repayment options.
- Ensure timely and accurate documentation, disbursement, and post-sanction follow-up to maintain compliance and operational efficiency.
- Stay updated with industry trends, regulatory changes, and market conditions to continuously improve credit assessment processes.




- Collaborate with the recovery team to manage non-performing assets and support resolution strategies for delinquent accounts.
- Provide training and guidance to junior credit officers and support staff to enhance team capabilities and knowledge.

Skill:-

- Credit Risk Assessment
- Financial Statement Analysis
- Loan Against Property Appraisal
- Regulatory Compliance
- Property Valuation Techniques
- Credit Documentation and Sanctioning
- Customer Relationship Management
- Portfolio Monitoring and Review
- Non-Performing Asset Management
- Legal and Due Diligence Coordination
- Credit Proposal Preparation
- Team Leadership and Training

Preferred Qualifications:-

- Bachelor’s degree in Finance, Commerce, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum 3-5 years of experience in credit appraisal and sanctioning of Loan Against Property within the financial services or banking sector.

Key Performance Indicators: #Key Performance Indicators#

Required Competencies: #Required Competencies#

Required Knowledge: #Required Knowledge#

Required Skills: #Required Skills#

Required abilities

- Physical: #Physical#
- Other: #Other#

Work Workplace Details: #Work Environment Details#

Specific requirements

- Travel: #Travel#
- Vehicle: #Vehicle#
- Work Permit: #Work Permit#

Other details

- Pay Rate: #Pay Rate#
- Contract Types: #Contract Types#
- Time Constraints: #Time Constraints#
- Compliance Related: #Compliance Related#
- Union Affiliation: #Union Affiliation#

📌 Credit Officer LAP (Noida)
🏢 AU Small Finance Bank
📍 Noida