Credit Officer

The Credit Initiation Specialist is an entry level position responsible for assisting in assessing the ability of individuals, companies and institutions to meet the demands of loans, agreements and extended obligations in coordination with the Operations – Services team.The overall objective of this role is to minimize threats to the company by determining the terms or level of credit that can be granted without undue risk.

Responsibilities:

• Would be responsible for end to end loan processing, from initial receipt of loan application to credit approval stage within TAT parameters
• Responsible for reviewing individual loan application for completion of required documentation.
• Responsible for continuous interaction with Sales and operations unit for efficient loan processing.
• Responsible for meeting customers to assess their Credit worthiness
• Ensure that all formalities as per Citibank product and policy norms are completed prior to loan approval by credit manager.
• Act as key point of contact for customer for efficient and smooth processing of loan application.
• Active engagement with 3rd party vendors and track completion of all necessary verifications/checks related to the loan application within the required time.
• Assist the Credit Managers in credit approvals
• Processing of files adhering to all processes and policies
• TAT conformance & Controls
• Oversee Hyderabad files per Hyderabad processing integration with Bangalore
• Support Vendor Management bills processing

Qualifications:

• 2-4 years of experience in a related role
• Working knowledge of technical and professional principles and concepts
• In-depth knowledge of team objectives
• Must pass all local requirements from a policy standpoint to to analyze credit viability
• Must also attend all refresher courses as provided by credit policy to keep abreast of the same
• Consistently demonstrates clear and concise written and verbal communication
• Demonstrated ability to remain unbiased in a diverse working environment

Education:

• Graduate / Post Graduate. MBAs preferred

• Processing of files adhering to all processes and policies
• TAT conformance & Controls
• Oversee Hyderabad files per Hyderabad processing integration with Bangalore
• Support Vendor Management bills processing

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Job Family Group:

Operations – Services

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Job Family:

Credit Initiation

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Time Type:

Full time

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