Credit Officer - Loan Analysis and Risk Assessment

Equitas Small Finance Ltd

Pardi

Not disclosed

Work from Office

Full Time

Min. 2 years

Job Details

Job Description

Credit Officer

  • Credit Analysis & Risk Assessment: Analyze financial statements, cash flow projections, and credit history to calculate risk ratios and determine a borrower’s ability to repay.
  • Loan Approvals & Structuring: Approve, reject, or negotiate loan terms (such as interest rates and payment plans) based on established underwriting guidelines and policies.
  • Portfolio Monitoring: Track the performance of existing loans, ensure compliance with loan covenants, and identify early warning signs of default.
  • Compliance: Ensure all lending activities adhere to internal policies, industry standards, and regulatory requirements.
  • Client Consultation: Meet with clients to gather necessary documentation, explain loan options, and guide them through the borrowing process.
  • Documentation & Reporting: Prepare comprehensive credit memos, maintain accurate loan records, and present findings to credit committees or senior management.

Job role

Work location

Inclusive Banking - SBL>West>Maharashtra>Nashik>Nagpur>Nagpur>Maharashtra>9083>Pardi

Department

Banking / Insurance / Financial Services

Role / Category

Banking Operations

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 2 years

About company

Name

Equitas Small Finance Ltd

Job posted by Equitas Small Finance Ltd

Apply on company website