Credit Officer - Navi Mumbai - Mascot Solutions
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SkillSet: credit decisions, sanctions, disbursements, delinquency. Administering for credit decisions, sanctions, disbursements, delinquency along with handling credit of all CV SegmentResponsible for all Credit and Risk Function of Commercial Vehicle Finance Scrutinizing file from credit point of view & ensure all income related norms are met Scrutinizing relevant documents before sanctioning / disbursing the credit, ensuring compliance with organizational credit policies To Conduct Personal Discussions with Divisional Manager, Branch Managers for the purpose of credit appraisal. Implementation and maintenance of a set of comprehensive Credit Risk Policies and Procedures Generating SAS reports from system and checking whether the customer is an existing customer or defaulter Exercising due vigilance during credit assessment to detect potential fraud & delinquents Calculating customer eligibility of TOP UP cases as per policy Solving Queries Related To IRR And Other Prepayment Issues Co-Ordinate With Sales And Recovery For Overdue (Penal) And Outstanding EMI of existing customer while checking the file & ensuring that no disbursement payment release without deducting such amount Tracking and Compiling all Project related MIS presentation & documents for Audit Trail Responsible to give revert to senior level manager for authorization of files Calculating LTV as per Market Value, and Minimum Marginal Receipts as per the customers' requirement Allowing vehicle insurance facilities to cover-up the loss that may incur in vehicle accidents case Imparting training to sales and credit counterparts for better achievement of business like enquiry management system, Sales conversion, Financial Development, Credit guidelines, Sales Activities & Customer Service Maintain a TAT for login, Approvals, disbursement, and & Operations along with preparing Daily, Weekly and Monthly reporting the MIS Assisting the team members in business development, NPA and in delinquency deduction Training and monitoring the team members for getting good result in Collection area, monitoring and auditing the same at frequent intervals Handing the Rural & Urban Dealerships with different type of Credit policies To ensure that credit compliances are followed and appropriate deviations are captured and approvals are taken from proper authority To maintain different MIS reports for TAT measurement, PDD follow up for Registration Certificate. Extracting Delinquency report area / location / dealer wise and monitor the same Ensure achievement of sales targets through proper planning and implementation of Policies and Procedures