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Retail and Wholesale Credit

The document provides a job description for a Credit Officer role at Bharat Enterprise in their Rural Credit department. The Credit Officer would be responsible for processing credit proposals for rural clients, ensuring adherence to processes and timelines, managing risk, and building relationships. Qualifications include a graduate degree and knowledge of credit products, regulations, and communication skills in English and the local language. The role aims to provide financial services and support development in rural and agricultural communities.

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JOEL BENNY
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26 views1 page

Retail and Wholesale Credit

The document provides a job description for a Credit Officer role at Bharat Enterprise in their Rural Credit department. The Credit Officer would be responsible for processing credit proposals for rural clients, ensuring adherence to processes and timelines, managing risk, and building relationships. Qualifications include a graduate degree and knowledge of credit products, regulations, and communication skills in English and the local language. The role aims to provide financial services and support development in rural and agricultural communities.

Uploaded by

JOEL BENNY
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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CREDIT OFFICER Bharat Enterprise

Grade: Deputy Manager

Business: Corporate Center Department: Retail Credit Sub-Department: Rural Credit


Location:
About Rural Credit
Rural Lending is a part of Retail Credit and caters to all financial needs of the Rural Clientele including Farming community,
Farm Mechanization ie Tractor & Harvestor, Traders & Processors mostly based out of Rural & Semi Urban areas along with
the credit needs of the industries dependent on the Agriculture /allied activities and MSME businesses based in rural areas,
and Micro Finance, which is Lending to economically active poor Women under Joint Liability Group.
About the Role
The Credit Officer manage the credit activities and processes the proposals of Rural Credit vertical for the designated Credit
Areas and ensures adherence to the processes designed by the bank.

Key Responsibilities
• Preparation of the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring
adherence to the standard process, Turn Around Time and decision consistency
• Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
• Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk
trends, and to use necessary information for taking credit decisions
• Manage the relationship with various functions and departments within the bank to ensure collaboration and
alignment to organizational objectives
• Ensure timely completion of key deliverables, audit queries and adherence to the rural credit policy/ scheme
Qualifications Desired
• Graduation/ Post- Graduation

Role Proficiencies:
• Knowledge of credit, preferably Working Capital Loans and Loans to MSME and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language

About Axis
Incorporated in 1994, Axis Bank is one of India’s most trusted banks & the third largest in the private sector. At Axis Bank,
customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse
customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control
framework & a large talent pool.
The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal
opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to
chart their career, their way.

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