Deputy Credit Manager

Job Duties:

• • Credit recommending and sanctioning authority, responsible for analysis of loans as
• per the Policy Manual
• • Accountable for the credit quality of the loan underwritten and portfolio, including the
• due diligence, of the portfolio included in their markets.
• • Ensuring accurate and appropriate analysis of applicant's credentials, including
• financial analysis & various associated financial ratios for credit decision, as per the
• Policy Manual.
• • Responsible for initiating personal Discussion before recommending proposal besides
• recording all the factual events/observations/discussions to facilitate credit decision
• by the sanctioning authority
• • Preparing and monitoring system related MIS and data updating for the requirement
• of the administration of the loans as per the Loan Policy Manual.
• • Being the first person verifying the post disbursement documentation completion and
• compliance of all conditions including the sanction terms and conditions stipulated on
• deals.
• • Visits to outstation branches/units as per the instructions of the competent authority
• in relation to the matters connected with Credit Appraisal/PD/Sanction matters.

Required Skills:

• Excellent communication and interpersonal skills
• Ability to communicate and function professionally with all levels of personnel and

• Business partners across the organization
• • Excellent customer contact skills; comfortable asking questions/ interviewing
• customers about their financial situation

• Able to take full ownership of issues until they are completely resolved
• Attention to detail
• Good observation and listening skills