We are hiring a Credit Officer in Baroda.

We are seeking a highly analytical and experienced Credit Officer to join our NBFC team. The Credit Officer will play a critical role in credit appraisal, risk assessment, and ensuring compliance for home loan applications. This role demands a proactive individual with strong decision-making and communication skills to contribute to the growth and efficiency of our credit operations.

Credit Appraisal: Conduct detailed credit evaluations and assess financial viability for home loan applicants. Risk Assessment: Identify, analyze, and mitigate credit risks while ensuring adherence to company policies and regulatory standards. Compliance Management: Ensure all credit approvals comply with company policies and legal guidelines. Decision-Making: Make informed decisions on loan approvals, keeping in mind organizational objectives and risk tolerance. Communication: Coordinate effectively with internal teams, clients, and stakeholders to process applications efficiently. Documentation: Review and verify applicant documents for accuracy and authenticity. Market Insights: Stay updated on market trends, credit policies, and competitor practices in the home loan sector. Reporting: Prepare and present credit reports, recommendations, and observations to senior management. Team Collaboration: Work closely with the sales and operations teams to streamline the credit approval process. Customer Engagement: Address customer queries and provide guidance on credit policies and processes. Key Skills & Qualifications: Educational Background: Graduation (mandatory). Experience: At least 3 years in credit appraisal and risk assessment, specifically in Home Loans (HL). Skills: Strong analytical and decision-making abilities. Excellent written and verbal communication. In-depth knowledge of credit policies, risk assessment, and compliance. Preferred Candidate Profile: Proactive, detail-oriented, and results-driven. Ability to manage multiple credit applications and maintain accuracy under tight deadlines. Familiarity with credit scoring models and financial analysis tools. .