CBG:Circle Credit Officer

About Commercial Banking Group:The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etcAbout the Role:The Circle credit officer, a part of the Commercial Banking team in the Circle, works with the Centre Head, Credit Analyst and RMs in the Circle on credit proposals. The CCO advises Centre Heads on proposals and reviews the notes submitted by the Credit Analysts. It is the CCOs responsibility to ensure that the notes submitted by the Credit Analyst are within the TAT, in line with the Credit policy and meeting the expectations in terms of the quality.Key Responsibilities:Advising Centre Heads and reviewing credit proposals drafted by Credit AnalystsPre-sanction unit visit for certain proposals to determine valuation and credit worthinessMaintaining TAT for NTB/enhancement proposalsEnsuring timely review and submission of status notes, stale ratings, etc.Timely submission of replies to queries from Audit teamsTransaction structuring and working on high value NTB along with RMsEnsuring Review/Renewal within due date for the CircleExit/upgrade of accounts based on early warning signalsQualifications:Optimal qualification for success on the job is:Post Graduates/Graduates/CAsGood academic backgroundExperience in a credit environmentRole Proficiencies:For successful execution of the job, the candidate should possess the following:Good understanding of credit appraisal and financial analysisGood communication (both verbal and written) skills in both English and the local language#ComeAsYouAre We are dil se open. Women, LGBTQIA and PwD candidates of all ages are encouraged to apply