Aye Finance - Branch Credit Officer

Key Responsibilities:

Credit Underwriting & Analysis:

- Conduct thorough credit assessments for loan applications, including mortgage, LAP, business loans, and unsecured loans.

- Analyze financial statements, credit history, and other relevant data to determine loan eligibility and creditworthiness.

- Apply sound judgment and adhere to company credit policies to ensure responsible lending practices.

Loan Processing & Documentation:

- Collaborate with the sales team to gather necessary documentation and ensure complete loan applications.

- Prepare accurate and well-documented credit reports with clear recommendations for loan approval or denial.

- Work closely with internal teams to ensure timely loan processing and disbursement.

Customer Focus & Risk Management:

- Maintain a strong customer focus, providing clear explanations and ensuring transparency throughout the credit assessment process.

- Identify and mitigate potential credit risks, safeguarding the financial health of the institution.

- Uphold the highest ethical standards and ensure compliance with all regulatory requirements.

Qualifications:

- Graduation/Post Graduation in any discipline (preferred).

- Minimum 2 years of experience in credit underwriting, preferably within the mortgage, LAP, business loan, or unsecured loan sectors.

- Strong understanding of credit analysis principles, loan products (mortgage, LAP, business loans, unsecured loans), and relevant regulations.

- Excellent analytical and problem-solving skills with a keen eye for detail.

- Ability to work independently and as part of a team in a fast-paced environment.

- Excellent communication and interpersonal skills.

- Proficient in MS Office Suite (including Excel).

- Prior experience working in Madhya Pradesh (a plus)