Responsible for assessing the credit worthiness of retail lending applications (Loans and Cards). The role involves evaluating financial information, verifying documentation and providing sound recommendations in line with the bank’s credit policy and risk appetite. Analyze retail credit applications for individuals, ensuring compliance with internal policies. Assess applicant financials, employment status, credit history and other supporting documents to determine credit risk. Recommend approval, decline, or modification of credit applications and escalate to higher authority. Ensure adherence to turnaround time (TAT) and quality standards in credit assessments. Participate in system testing and enhancement projects related to credit approval platforms.
Bachelor’s degree in finance, Accounting, Economics or a related field. 1 – 2 years of banking experience.
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