Credit Officer

• Develop and maintain balance sheets.
• Manage account statements.
• Report daily revenue and other numbers.
Skill sets required for this job description:

Conversation Skills: The OC should be able to converse in the local and English
language fluently. Must not reflect a local language bias whilst conversing in English
Analytical Skills: Ability to analyze the individual’s application in terms of ability to
pay, reasons for the person to pay a higher EMI than the norms, derive the cost of
property taking into account localized costs elements, decipher KYC documents and
ensure compliance, read the CIBIL report and interpret scores. Identify any hints of
fraud in documents or nervousness in speech leading to suspicion. Ability to read a bank
statement, identify abnormal trends and seek clarifications.
Ability to convince: Must possess probing skills to ask and seek so as to be convinced
herself. Carry convictions and ability to convince through written language and if
required through verbal skills another person in HDFC appraising the file.

Appraisal:

1. Loan Application Form:
i. KYC check on address and identity with the KYC documents submitted.
ii. Income details match with the income proof papers provided
iii. Bank details on the form match the statements provided
iv. Property cost on the form matches with property related documents provided
v. Own contribution details on the form match with proof provided
vi. BSA code mentioned on the form matches the one reflecting on the system
vii. Obligations mentioned on page 3 of the form reflect in the bank statements
viii. Property address as mentioned on the form and the property documents submitted
ix. Signature on the form matches with signatures on self-attested KYC documents
Shaista HR-+632456237
• It is a Full Time Accountant job for candidates with 1 - 5 years of experience.

More about this Credit Officer job
Please go through the FAQs to get all answers related to the given Credit Officer job
• What is the eligibility criteria to apply for this Credit Officer job?
Ans: The candidate should be Post Graduate and above with 1 - 5 years of experience
• How much salary can I expect for this job role?
Ans: You can expect a salary of 30,000 - 35,000 per month + Incentives that depends on your interview. It's a Full Time job in Gurgaon.
• How many working days are there for this Credit Officer job?
Ans: This Credit Officer job will have 6 working days.
• Are there any charges applicable while applying or joining this Credit Officer job?
Ans: No, there is no fee applicable for applying this Credit Officer job and during the employment with the company, i.e., HDFC Bank.
• Is it a work from home job?
Ans: No, it’s not a work from home job and can't be done online.
• How many openings are there for this Credit Officer role?
Ans: There is an immediate opening of 4 Credit Officer at HDFC Bank.
• Who can apply for this job?
Ans: Both Male and Female candidates can apply for this Accountant job.
• What are the timings of this Credit Officer job?
Ans: This Credit Officer job has 0+:00 AM - 06:00 PM timing.

Candidates can call HR for more info