Asst. Credit Manager- ACM ( Punjab/ Himachal Pradesh )

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Update day: 06-05-2024

Location: Mandi Himachal Pradesh Punjab

Category: Finance / Bank / Stock Insurance

Industry: NBFC

Position: Credit Officer

Job type: Full Time, Permanent

Salary: ₹ 1,75,000 - 3,00,000 P.A.

Experience: 1 - 5 years

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Job content

Job description

Credit appraisal of loans (both Secured/ Unsecured) as per the credit policies of the company.
Ensure that complete process has been followed by the sourcing team while on boarding a client/group/center into company.
Ensure clients are aware and adhering to all credit policies of company through client/ group/ center visits.
Ensure that the deviations are recorded and reported to credit head for appropriate approval, as applicable.
Responsible for maintaining a healthy portfolio for all the branches. Conducting portfolio analysis and escalate to higher authority if any observation is there in the portfolio behavior. Also, responsible for taking precautionary steps to prevent any crisis situation.
Effective implementation of any new product/process/ policy of the company through training of the Branch team.
Assisting management and making effective suggestions in improvement of product/ process/ policies of the company.
Any other tasks assigned by the management as per company requirement.

Requirement:

Any Graduate (Age-20-32 yrs) with experience in Sales/ Credit.
Should have working experience in Microfinance/SME/NBFC/Bank.
Should have knowledge in Group Loan along with any of the retail products such as /LAP/home loan/auto loan/business loan/individual loan/personal loan.
Should have experience in field credit/field verification.
Should have his own conveyance
Candidates from sales background having field experience who are interested in Credit Department may also apply.
Note- Candidate interested for anywhere in Punjab and Himachal Pradesh location may only apply.

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