Posted time May 23, 2023 Location Surat Job type Credit Officer

Job Title: Credit Officer
Experience: min 1 Year
Salary: up to 45k
Location: Surat
industry: Textile & Garments


Job Summary:

We are seeking a Credit Officer to join our Textile & Garments industry in Surat. As a Credit Officer, you will be responsible for assessing creditworthiness, evaluating loan applications, and managing credit portfolios. Your main objective will be to minimize credit risk and ensure timely repayment from customers. The ideal candidate should have a minimum of 1 year of experience in credit analysis or loan processing. This is an excellent opportunity to contribute to the financial success of our company in the Textile & Garments industry.



Credit Evaluation:

  • Firstly, assess the creditworthiness of customers through detailed financial analysis and background checks.
  • Commonly, evaluate loan applications, reviewing financial statements, credit reports, and other relevant documents.
  • Lastly, determine credit limits, interest rates, and repayment terms based on risk assessment.

Credit Portfolio Management:

  • Firstly, monitor and manage the credit portfolios, ensuring compliance with lending policies and procedures.
  • Commonly, review and update customer credit files, maintaining accurate records of loan agreements and repayments.
  • Lastly, proactively identify and address potential credit issues and delinquencies.

Customer Relationship:

  • Firstly, build and maintain strong relationships with customers, providing excellent customer service and support.
  • Commonly, address customer inquiries, concerns, and payment-related issues in a timely and professional manner.
  • Lastly, negotiate repayment terms and develop suitable payment plans when necessary.

Risk Mitigation:

  • Firstly, identify and analyze credit risks, implementing risk mitigation strategies and controls.
  • Commonly, monitor market conditions and industry trends that may impact credit risk.
  • Lastly, collaborate with internal teams to implement effective credit risk management practices.




  • Firstly, a minimum of 1 year of experience in credit analysis, loan processing, or a similar role.
  • Commonly, experience in the Textile & Garments industry or a related field is preferred.


  • A bachelor’s degree in finance, accounting, or a related field is required.

Financial Analysis:

  • Firstly, strong financial analysis skills, including the ability to interpret financial statements and assess creditworthiness.
  • Commonly, knowledge of credit risk assessment methodologies and industry best practices.
  • Lastly, familiarity with credit scoring models and tools.

Attention to Detail:

  • Firstly, strong attention to detail to accurately evaluate credit applications and maintain precise records.
  • Commonly, excellent organizational skills to manage credit portfolios and meet deadlines.
  • Lastly, ability to analyze complex financial data and make informed decisions.



As a Credit Officer in our Textile & Garments industry, you will play a crucial role in evaluating creditworthiness and managing credit portfolios. By assessing credit risks, ensuring timely repayments, and maintaining strong customer relationships, you will contribute to the financial success of our company. If you have a minimum of 1 year of experience in credit analysis or loan processing, we invite you to apply for this position in Surat. The salary for this role is up to 45k. Join our team and be part of our efforts to minimize credit risk and optimize financial performance in the Textile & Garments industry.


Contact Us

Person : Sumit Yadav
Phone : +91 7226004473 or
Email :
Web :

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