Axis Bank Jobs

Job Description: Credit Authorizer

Location: Bhashyam Circle, Bangalore

Company Overview: Axis Bank is a leading private sector bank in India, providing a wide range of financial services to customers. We are currently seeking a diligent and detail-oriented Credit Authorizer to join our team at Bhashyam Circle, Bangalore. As a Credit Authorizer at Axis Bank, you will play a critical role in assessing and authorizing credit applications to ensure the bank's lending policies and procedures are adhered to.

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Responsibilities:
• Credit Assessment: Evaluate credit applications received from customers and assess their creditworthiness based on established guidelines and criteria. Review financial documents, credit reports, and other relevant information to make informed decisions regarding credit approvals. Analyze the applicant's financial stability, repayment history, and risk profile.
• Authorization Process: Make informed and prompt decisions regarding credit approvals, within defined authority levels. Ensure compliance with credit policies, procedures, and regulatory requirements. Maintain accurate and up-to-date records of credit decisions and related documentation. Collaborate with the credit team and other stakeholders to resolve any issues or discrepancies that may arise during the authorization process.
• Risk Mitigation: Identify and mitigate potential credit risks by conducting thorough analysis and due diligence. Assess the borrower's ability to repay the loan, evaluate collateral, and analyze market conditions. Identify any potential fraud or irregularities in credit applications and take appropriate actions to mitigate risk and protect the bank's interests.

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Skills and Qualifications:
• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Strong understanding of credit assessment principles, credit analysis, and risk evaluation.
• Knowledge of lending policies, regulations, and compliance requirements.
• Analytical mindset and attention to detail.
• Good decision-making skills and the ability to work with limited supervision.
• Strong written and verbal communication skills.
• Proficiency in using banking software and systems.
• Ability to handle confidential information with integrity and discretion.
• Customer-centric approach and ability to deliver excellent service