Credit Officer - Secured and Unsecured Lending

BRANCH CREDIT OFFICER- Moradabad 1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customer's business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills – English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.