Branch Credit Manager

Equitas Small Finance Bank Ltd

BFSI (Credit & Risk)

97+ Applicants

Posted: 9 months ago

3-7 years

Karnataka

Work from Office

Posted: 9 months ago

Applicants: 97+

Job Description

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Job Description

You will be responsible for ensuring proper credit evaluation of customers in accordance with the policy and process. This will involve conducting personal discussions with customers to evaluate loan proposals. Your support will be crucial in helping the branch team achieve their desired objectives. It will also be your responsibility to manage and maintain the Turnaround Time (TAT) for loan disbursement.

As a supervisor and mentor, you will guide Credit Officers and Officer Credit Operation team members. Your role will include diligently appraising loan applications as per the organization's credit policy. You will also need to ensure that credit policies are followed to maintain a high-quality portfolio for the branch.
You will be in charge of ensuring that all files are completed in every aspect before the loan disbursement and maintaining accurate records. Timely completion of Pre-Disbursement Documentation (PDD) for the loans disbursed will be part of your duties. It will be essential to maintain a quality portfolio for the branch and underwrite proposals while making decisions on loan approval and disbursement within the specified empowerment levels based on credit evaluation criteria.

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Maintaining high standards in credit appraisal, understanding customers personally, and reviewing documentation provided will be necessary to minimize the turnaround time per application. You will also be responsible for managing and supporting other operational activities within the branch.
If a loan proposal exceeds the empowered limit, you will need to escalate it for a review by the Area/Regional Credit Manager. Ensuring the collection and maintenance of PDD as per credit norms will also be a key aspect of your role.,

Skills

Credit AppraisalCredit ManagerRisk AssessmentCredit UnderwritingTAT ManagementDocumentation ManagementLoan Proposal EvaluationCredit EvaluationPortfolio Management

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About Company

Equitas Small Finance Bank is a new-age bank transforming the way banking is done, through innovations in products, processes and people. We believe in banking with a heart. It is our purpose to empower lives through banking and to provide access to financial services to the unbanked and underbanked.

Important dates & deadlines?

Application Deadline

17 Oct 25, 01:05 PM IST

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