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. oLoses / Portfolio quality parameters/ Cost of credit administration/ Employee Productivity.