Branch Credit Manager

Job Role :

•  Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Verifying the promoters track record & ascertaining their credit worthiness.
•  Analysis of the financial statements of the prospective customer to identify the short term & long term  solvency & liquidity position
• To ensure Bounce Rate and Delinquency are within acceptable standards.
• Monitor and enforce approval rate and TAT as per prescribed standards.
• Monitor and ensure that monthly Branch audit score is satisfactory.
• Vendor Management.
• To conduct customer meeting to evaluate credit proposal
• PDD Tracking and closure
•  Compliance to repayment instrument replenishment to ensure regular repayment of EMI

Key Responsibilities :

•  Credit Decisions
• Take sound lending decisions based on available information &interactions with the applicants.
•  Manage credit quality and control delinquencies, frauds.
• Monitoring Performance
•   Managing performance in terms of key drivers i.e.
• Loses / Portfolio quality parameters.
• Cost of credit administration.
•  Employee Productivity.

Mandatory Skills :

•   Graduate/Postgraduate.
•   4-6 years Credit/Underwriting experience.
•   Understanding of portfolio metrics.
• Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.