Branch Credit

Roles and Responsibilities

• Conduct credit appraisal and evaluation of loan proposals, including mortgage loans, affordable housing finance, home loans, and loan against property.
  
• Analyze financial statements, cash flows, and other relevant data to assess creditworthiness of borrowers.
  
• Develop and implement effective credit policies and procedures to minimize risk exposure.
  
• Collaborate with sales teams to identify potential clients and develop strategies for acquiring new business opportunities.
  
• Stay up-to-date with industry trends, regulatory changes, and competitor activity to maintain expertise in the field.
  

Desired Candidate Profile

• 4-8 years of experience in branch credit management or related role in an NBFC or banking institution.
  
• Strong understanding of affordable housing finance, credit underwriting, credit analysis, credit policy formulation, credit risk analysis, credit evaluation techniques.
  
• Excellent analytical skills with ability to interpret complex financial data effectively.