Branch Credit Officer - Bemetara

Role & responsibilities

Core Credit Appraisal & Underwriting

• Financial Scrutiny: Analyze applicant bank statements, ITRs, and GST filings.
• Credit Bureau Checks: Evaluate CIBIL and other bureau scores for past defaults or high leverage.
• Personal Discussions: Conduct field visits and PDs (Personal Discussions) to verify business models.
• Income Estimation: Reconstruct true cash flows for informal or unorganized-sector borrowers.
• Loan Structuring: Fix loan amounts, pricing, tenures, and repayment frequencies.

Risk Mitigation & Compliance

• Policy Adherence: Ensure every file complies with internal NBFC credit policies and RBI guidelines.
• Approval Memos: Draft detailed Credit Notes (C-Notes) summarizing risk pros and cons for sanction committees.
• Delegated Authority: Approve or reject files within a pre-assigned financial sanction limit.