Credit Officer

Location: Bengaluru Karnataka India
Work Arrangement: On-site
Employment Type: Full-time

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.

• Independently analyze or at times work with more Senior Credit Officer to evaluate the risk of adding a particular transaction to the banks loan portfolio.

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

• Understand and assess the customers 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.

• 57 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.

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