Credit Officer - Loan Assessment and Risk Management

Credit Officer Credit Assessment & Underwriting Analyze loan applications and assess customer eligibility. Evaluate income, repayment capacity, credit history, and financial stability. Conduct personal discussions and field investigations where required. Verify customer information, documents, and references. Recommend approval, rejection, or modification of loan proposals. Documentation & Verification Ensure completion and accuracy of all loan documents. Verify KYC, income proofs, banking details, and collateral documents. Conduct fraud checks and identify potential risks. Maintain proper credit files and records. Risk Management Assess credit risk and ensure compliance with company credit policies. Monitor exceptions and deviations from standard credit norms. Identify early warning signals and recommend corrective actions. Support portfolio quality improvement initiatives. Portfolio Monitoring Track performance of approved loan accounts. Monitor overdue and delinquent accounts. Coordinate with collections teams for risk mitigation and recovery actions. Review customer repayment behavior periodically. Compliance & Audit Ensure adherence to RBI guidelines, internal credit policies, and regulatory requirements. Support internal and external audits. Maintain confidentiality of customer information. Ensure compliance with all risk and operational controls. Coordination & Support Coordinate with Sales, Operations, Legal, and Collection teams. Provide credit-related guidance to branch staff. Assist in achieving business growth while maintaining portfolio quality.