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Career Portal Details
Credit Officer
Location
Head Office
Closing Date
09/03/2024
Description
- Exposure to handle SME Credit in a branch and achieve the set targets in Advances, NPA, IIS
- Evaluate loan applications and preparation of proposals with detailed information and necessary attachments to approving authority, swiftly and efficiently
- Ensure that loan disbursements are made only on completion of security documentation, disbursed in stages and ensure that interest rates are charged as per tariff
- Issuance of guarantees, holding applicable margin, renewals, cancellations, reversals and follow up on expired guarantees, balancing, submitting monthly statements and proper maintenance of correspondence
- Carry out site visits and ensure proper post credit follow ups and react for early warning signals
- Responsible for the Watch list / NPA management including calling and visiting overdue clients
- Carry out periodic physical verification of pawned articles
- Ensure low audit rating on credit operations
Entry Requirements
- Age below 35 years
- Full or Part qualification in Banking (IBSL)
- Diploma in Credit Management will be advantageous
- Minimum of 4-5years working experience preferably in a Bank and 2-3 years exposure in a credit role
- Good knowledge of Credit procedures and regulatory requirements
- Excellent verbal and written communication skills
- Strong analytical and negotiation skills
- Knowledge of industry/market conditions /volatility and new trends
- Ability to work under pressure and meet deadlines