Credit Appraiser – Retail Lending

Job Description

Credit Appraiser – Retail Lending Pune | Full-Time | 1–5 Years Experience 🔹 About the Role • We are looking for a detail-oriented and customer-focused Credit Appraiser to evaluate loan applications and assess the creditworthiness of salaried and self-employed customers. • The ideal candidate should possess strong analytical skills, customer handling abilities, and knowledge of retail lending processes. 🔹 Key Responsibilities • Assess and evaluate loan applications for salaried and self-employed customers • Analyze financial documents, income details, and credit profiles • Interact with customers regarding loan appraisal and servicing requirements • Conduct customer meetings and provide suitable financial solutions based on their needs • Perform business visits and verification activities when required • Collect, review, and verify all necessary documents for loan processing • Prepare credit assessment reports and recommend proposals for approval • Support business growth by identifying opportunities for new and repeat lending business • Ensure compliance with internal policies and lending guidelines 🔹 Required Qualifications • CA qualification is mandatory • 1–5 years of experience in credit appraisal, retail lending, or financial services • Strong understanding of loan assessment and risk analysis • Good analytical and problem-solving abilities • Excellent verbal and written communication skills • Strong interpersonal and customer relationship management skills • Ability to work in a target-driven and fast-paced environment • Good time management and teamwork abilities 🔹 Preferred Skills • Knowledge of banking and retail lending products • Familiarity with financial statement analysis and documentation processes • Strong negotiation and convincing skills • Customer-centric approach with high professional integrity 🔹 What You’ll Gain • Opportunity to work in the retail lending and financial services domain • Exposure to customer relationship management and credit evaluation processes • Career growth opportunities in banking and finance • Dynamic and professional work environment