Credit appraisal officer
Credit appraisal officer
Posted on :
20-12-2024
Employer Active
1 Vacancy
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Job Description
Job Title: Credit Appraisal Officer
Job Overview
The Credit Appraisal Executive is responsible for ensuring that all loan applications meet compliance and financial assessment standards. This includes document verification data entry credit evaluation televerifications and coordinating field investigations. The role ensures thorough appraisal and accurate processing to facilitate loan disbursements while maintaining the integrity of all procedures.
Key Responsibilities
1. Document Verification
o Verify all loan application documents and ensure correctness.
o Generate PDF files of verified documents for recordkeeping.
o Scan missing documents at HO when branches fail to provide them.
2. Data Entry and Compliance
o Input verified data into the loan application system.
o Perform CIBIL checks and credit appraisals for applicants and coapplicants.
3. TeleVerifications
o Conduct telephonic verifications for applicants coapplicants and references.
4. Field Investigations
o Initiate and oversee the field investigation (FI) process for shortlisted cases.
o Analyze and correlate FI reports with other data for comprehensive case assessment.
5. Loan Approval and Disbursement
o Communicate approved cases and required documents in WhatsApp groups.
o Generate loan agreements in the software including filling insurance details.
o Create digital signature invite links and initiate ECS procedures.
6. Physical File Management
o Verify physical files against checklist points and raise issues if any in WhatsApp groups.
o Prepare and maintain physical files postloan disbursement.
7. Branch and Sales Support
o Resolve login queries raised by branch employees.
o Address eligibility or documentrelated queries from the sales team.
8. CKYC Compliance Tasks
o Handle CKYC uploads in the government portal as both maker and checker.
Qualifications
Education:
Bachelor s degree in Commerce Finance or related field.
Experience:
Total: 25 years of experience in credit appraisal loan processing or a similar field.
Skills:
Strong knowledge of credit appraisal and financial analysis.
Proficiency in loan management software and government portals like CKYC.
Excellent communication and coordination skills.
Ability to interpret and correlate data for informed decisionmaking.
Age:
22 to 32 years.
Work Location
Ahmedabad
Reporting To
Credit Manager
Salary Range
per month
field investigations,financial analysis,c-kyc compliance,data analysis,credit appraisal,application,loan,communication skills,loan management software,assessment,credit
Employment Type
Full Time
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