Field Credit Officer

Group Company: AU Small Finance Bank Limited Designation: Field Credit Officer Office Location: Position description: #Position description# Primary Responsibilities: #Primary Responsibilities# Additional Responsibilities: #Additional Responsibilities# Reporting Team Reporting Designation: #Reporting Designation# Reporting Department: #Reporting Department# Educational qualifications preferred #Education and Experience# Category: #Category# Field specialization: #Field specialization# Degree: #Degree# Academic score: #Academic score# Institution tier: #Institution tier# Required Certification/s: #Required Certification/s# Required Training/s: #Required Training/s# Required work experience Industry: #Industry# Role: #Role# Years of experience: #Years of experience# Job Brief:

• AU Small Finance Bank Limited is seeking a diligent and proactive professional to join our Credit Department as a Field Credit Officer. This role is pivotal in driving the bank's credit portfolio growth by assessing creditworthiness, managing risk, and ensuring compliance with regulatory and internal policies. The ideal candidate will have a strong understanding of financial services, excellent analytical skills, and the ability to build and maintain relationships with clients in diverse markets. This position requires extensive fieldwork, client interaction, and collaboration with internal teams to facilitate timely and accurate credit decisions that align with the bank’s strategic objectives.

Responsibilities

:- Conduct thorough credit appraisals and risk assessments of loan applicants by analyzing financial statements, credit reports, and market conditions. Perform field visits to verify the authenticity of client information, assess collateral, and understand the business environment. Develop and maintain strong relationships with clients to understand their financial needs and provide appropriate credit solutions.

Ensure compliance with the bank’s credit policies, regulatory guidelines, and internal controls throughout the credit evaluation and disbursement process. Collaborate with internal teams including credit analysts, legal, and risk management to facilitate smooth loan processing and timely decision-making. Monitor the performance of sanctioned loans by tracking repayments, identifying early warning signals, and initiating corrective actions to minimize non-performing assets.

Prepare detailed credit proposals and present findings to the credit committee for approval. Maintain accurate and up-to-date records of all credit-related activities and client interactions in the bank’s CRM and loan management systems. Stay updated with industry trends, regulatory changes, and competitor activities to provide insights that support credit strategy development.

Participate in credit training programs and workshops to enhance knowledge and skills relevant to credit risk management. Skill :- Credit Risk Assessment Financial Statement Analysis Loan Documentation and Compliance Client Relationship Management Field Verification and Due Diligence Regulatory Knowledge in Banking Credit Proposal Preparation Non-Performing Asset (NPA) Management Data Entry and CRM Software Proficiency Effective Communication and Negotiation Problem Solving and Decision Making Time Management and Organizational Skills Preferred Qualifications :- Bachelor’s degree in Finance, Commerce, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.

Minimum of 3-5 years of experience in credit appraisal, risk assessment, or related roles within the financial services industry, preferably in banking or microfinance. Key Performance Indicators: #Key Performance Indicators# Required Competencies: #Required Competencies# Required Knowledge: #Required Knowledge# Required Skills: #Required Skills# Required abilities Physical: #Physical# Other: #Other# Work Environment Details: #Work Environment Details# Specific requirements Travel: #Travel# Vehicle: #Vehicle# Work Permit: #Work Permit# Other details Pay Rate: #Pay Rate# Contract Types: #Contract Types# Time Constraints: #Time Constraints# Compliance Related: #Compliance Related# Union Affiliation: #Union Affiliation#