- Department: Credit
- Job Posted On: November 5, 2024
- Employee Type: Full-Time
- Experience Range: 0 Years – N.A.
- Group Company: AU Small Finance Bank Limited
- Office Location: Aurangabad – Jalna Road, Aurangabad, Maharashtra, India
Position Description:
The Field Credit Officer will be responsible for conducting credit assessments, verifying customer documentation, and ensuring timely loan approvals while maintaining compliance with the bank’s credit policies.
Primary Responsibilities:
- Conduct field visits to assess the creditworthiness of loan applicants.
- Verify customer information and documents such as income proofs, KYC, property titles, etc.
- Evaluate the risk involved in lending and recommend loan approvals or rejections.
- Ensure timely collection of required documents for loan processing.
- Assist in the completion of credit applications and related paperwork.
- Collaborate with internal teams to ensure smooth loan disbursement processes.
- Monitor loan accounts and ensure post-loan documentation compliance.
- Provide customers with information regarding loan terms, conditions, and repayment schedules.
Additional Responsibilities:
- Assist in resolving any customer queries related to loan applications.
- Maintain strong relationships with customers and local business partners.
- Ensure adherence to the bank’s policies and procedures in the loan approval process.
Reporting Structure:
- Reporting Designation: To be provided.
- Reporting Department: Credit.
Educational Qualifications Preferred:
- Category: Graduate or Post-Graduate.
- Field Specialization: Finance, Commerce, or related fields.
- Degree: B.Com, MBA, or equivalent.
- Academic Score: Not specified.
- Institution Tier: Not specified.
Required Certifications:
Not specified.
Required Training:
Not specified.
Required Work Experience:
- Industry: Banking, Financial Services, or Credit.
- Role: Credit Officer, Field Officer, or similar.
- Years of Experience: 0 – N.A.
Key Performance Indicators:
- Accuracy and timeliness in credit assessment and documentation.
- Compliance with credit policies and regulatory requirements.
- Customer satisfaction and effective handling of credit-related queries.
- Achievement of loan disbursement targets.
Required Competencies:
- Strong analytical and decision-making skills for credit evaluation.
- Excellent communication and interpersonal skills.
- Ability to manage time and prioritize tasks effectively.
Required Knowledge:
- Knowledge of credit evaluation processes and banking products.
- Familiarity with KYC norms, RBI guidelines, and regulatory requirements.
Required Skills:
- Proficiency in using technology for documentation and loan processing.
- Customer service orientation with problem-solving capabilities.
Required Abilities:
Physical: Ability to travel for field visits.
Other: Attention to detail and ability to work under pressure.
Work Environment Details:
Specific Requirements:
- Travel: Regular field visits required within the assigned region.
- Vehicle: Not specified.
- Work Permit: Must be eligible to work in India.
Other Details:
- Pay Rate: As per industry standards.
- Contract Type: Full-Time.
- Time Constraints: None specified.
- Compliance-Related: Must adhere to all credit policies and regulatory requirements.
- Union Affiliation: Not specified.