RC - Credit Officer - B2B - Rural Credit
| RC - Credit Officer - B2B - Rural Credit | |||||
| INTERNAL USAGE: | |||||
| No. of Vacancies: | Reports to: | Regional Credit Manager | |||
| Is a Team leader? | N | Team Size: | NA | ||
| Grade: | |||||
| Business: | Corporate Center | Department:� | Retail Credit | Sub-Department: | Rural Credit |
| Location: | |||||
| About Rural Credit | |||||
| Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community, Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas, and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group. | |||||
| AbouttheRole | |||||
| The Credit Officer manage the credit activities and processes� the proposals of Rural Credit vertical for the designated Credit Areas �and ensures adherence to the processes designed by the bank. | |||||
| Key Responsibilities | |||||
� Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency � Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. � Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions � Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives � Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme | |||||
| Qualifications Desired | |||||
| � Graduation/ Post- Graduation / Post Graduate in Agri business Management (MBA/ CA preferred) from a recognized institute. | |||||
| Role Proficiencies: | |||||
� Knowledge of credit, preferably Working Capital Loans and Loans to MSME and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language |
RC - Credit Officer - B2B - Rural Credit · Axis Bank