BOMBAY MERCANTILE CO-OPERATIVE BANK LTD is hiring for Credit Officers.
Experience
: 5+ years in Scheduled Commercial Banks with relevant experience in credit appraisal, loan assement and portfolio Monitoring, structing Loan etc.
Age
: 30 to 45 Years
Qualification
: Graduation in any discipline
Role and Responsibilities:
Develop and implement credit policies, procedures, and guidelines in line with the bank's risk appetite and regulatory requirements.
Assessment, sanctioning, and monitoring of all credit proposals and advances to ensure quality and compliance.
Manage the credit portfolio to minimize non-performing assets (NPAs) and ensure timely recovery.
Lead the credit appraisal team, providing guidance, training, and performance management.
Coordinate with other departments (Risk, Legal, Compliance, Recovery) to ensure effective credit risk management.
Ensure that all credit disbursements are adequately documented and supported by necessary approvals.
Analyze market trends, customer creditworthiness, and economic factors impacting credit risk.
Prepare and present credit reports, portfolio analysis, and risk assessment to senior management and the Board.
Stay updated on regulatory changes and ensure timely implementation in credit processes.
Drive credit growth by identifying new business opportunities while maintaining asset quality.
Handle escalations and resolve credit-related issues promptly.
Job Type: Full-time
Work Location: In person
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