Collection & Underwriting - Credit Officer null

About Axis Bank

Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture, and Retail Businesses. Axis Bank has a large footprint of 4,594 domestic branches (including extension counters) with 11,333 ATMs & 5,710 cash recyclers spread across the country. 

Your Role

The Credit Officer is responsible for the appraisal and approval of the Loan Application based on the power delegated to the and for onward recommendation of the same to the Credit team. Key responsibilities include:

• Appraise or underwrite the loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority.
• Assess the income, ability, intention, and credit behavior of the applicant and verify documents and reference checks as well as from credit bureaus.
• Evaluate all the credit risk parameters and implement measures to mitigate the same.
• Prepare the Credit Approval Memo and manage the overall TAT and Approval Rate.
• Ensure complete adherence to the laid down policy and procedure or process.

Training & Development

Axis believes that nurturing its ‘people capability is key to driving business excellence and achieving the short-term and long-term goals of the organization. Axis has introduced a learning platform, the ‘Axis Competency Profiler’ to manage employee careers in a manner that provides them with training interventions aligned to their skill set. The Profiler comprises three proficiency levels – Cornerstone (Basic), Prime Key (Intermediate), and Master Key (Advanced). 

Salary & Benefits

The Axis Bank's competitive and comprehensive benefits package includes health insurance, job training & soft skill training, work from home, team outings, free transport, education assistance, and international relocation. The estimated salary for this role can range from ₹348,000 to ₹364,000 per year but will be based on the candidate’s program year, discipline, degree, and/or experience. Details of participation in these benefit plans will be provided if an employee receives an offer of employment. 

Career Progression

Whether you're a fresh graduate or a professional with considerable work experience, Axis Bank offers an ample opportunities to grow, upskill, and advance in your career by creating the ideal work environment to encourage capacity building, growth, and empowerment. 

Work-life Balance

Axis Bank has a good inclusive work environment and diverse working culture. It has great working hours that provide alternate Saturdays off with flexible timing depending on the needs of the employees. Axis Bank also launch an innovative platform that would make it possible to ‘work from anywhere’, while ensuring flexibility and ease of operations for skilled specialists. Therefore, it will invariably access a much larger talent pool that is spread across the country, including smaller cities and towns, and also open up the possibility of cross-border associations.

Culture & Vibe

Axis Bank seeks to create an inclusive, equitable, culturally competent, supportive, and safe environment where employees model behavior that enriches the workplace. Axis is constantly making efforts to make the workforce diverse and inclusive and provide an environment where every individual can contribute, learn and grow. Through Employee Engagement Employee engagement is intertwined with the day-to-day operations of the Bank. 

About you

• Diploma or Graduation from a recognized institute.
• Knowledge of credit, banking regulations, and norms.
• Maintain a high level of knowledge of banking products and services.
• Good communication skills in both English and the local language.
• Ability to handle pressure and meet deadlines.

How to apply

• To apply for this role, click on the "Apply on Employer Site" button on this page.
• The recruitment process will be a two-stage process where the first stage will be a written exam.
• If you clear the first stage, you will have to appear for an interview and clear a medical fitness test after which you will be employed as an Axis Bank employee.

Source

The following sources were used in researching this page:

• axisbank.ripplehire.com
• ambitionbox.com/salaries