Assistant Credit Manager Job Vacancies in Kolkata

Job Title: Assistant Manager (Credit) Entry LevelDepartment: Credit / Retail BankingLocation: Across India (as per banks requirement)Employment Type: Full-time, Regular / ProbationaryEligibility Education: Graduate degree in any discipline from a recognized university. Experience: Fresh graduates can apply (bank may prefer candidates with internship/short-term banking experience). Age Limit: 2130 years (relaxations as per Govt. norms).Key Responsibilities1. Evaluate loan applications and prepare credit appraisal reports.2. Assist in processing term loans, working capital finance, and retail loan products.3. Verify customer documents for KYC, income proof, and collateral security.4. Monitor existing loan accounts to detect potential risks or defaults.5. Coordinate with relationship managers and branch managers for smooth loan processing.6. Maintain accurate records in the banks Core Banking System (CBS).7. Provide customer service related to credit products and schemes.Required Skills Basic understanding of banking products & services. Good command over MS Office (especially Excel & Word). Analytical thinking and numerical aptitude. Good communication (Hindi & English) and interpersonal skills. Ability to work in a target-driven environment.Preferred Skills (Not Mandatory) Knowledge of RBI guidelines & basic credit risk concepts. Internship or part-time work in banking/finance. Familiarity with digital banking tools & apps.Pay Scale As per JMGS-I scale: 22,000 35,480 per month (plus allowances & benefits)

Required Credit ManagerAssistant Manager Credit Experience: 1-3 years (Preferred) Role: Assistant Manager - Credit Employment Type: Permanent Job, Full Time Specialization: Credit Analysis, Financial Analysis, Customer Application Screening, Underwriting. Location: Kolkata Notice Period: 15-30 days (Preferred) Age: Should not be more than 40 yearsJob Description:Assistant Manager - Credit position is accountable for the credit granting process, including the consistentapplication of credit policies, periodic credit reviews of existing customers and the assessment of thecreditworthiness of potential customers with the goal of optimizing the mix of company sales and bad debtlosses.Key Responsibilities Area: Fair understanding of NBFC lending dynamics. Direct experience with credit risk portfolio analysis / modelling shall be preferred. To prepareCreditAppraisal Memo (CAM). Analyse and verify customer financial information. Due Diligence increditanalysis, customer application screening, evaluation, underwriting andsanctioning of loan. To ensure completion ofcredit/KYC documents and verification- telephonic, field & collateral visits. Credit Appraisals of loan application within defined guidelines and accordingly recommend forapproval to higher authorities.