Area Credit Manager - CV

Job Role

Responsible for underwriting credit appraisal, Disbursement of CV loan proposals.Monitoring / tracking escalation of adverse new events in the portfolio of the assigned Area.Credit Appraisal and Sanctioning of CV loan proposals.Handling a Team of Credit Managers and monitoring business.Analysis and resolution of delinquency and working closely with Sales team.Analyzing Higher Value cases and processing it for approvals.Personal discussion, monthly market visits to various financiers, dealers etc.Analysis - quantitative and qualitative of requests for loans and lines of credit.Keeping tap on each branch’s delinquency / PDD level, ensuring / taking corrective action prior to its reaching its bench mark.Responsible for Audit and Regulatory compliance for the assigned Area.Effectively assessing credit risk and (current and potential) client viability.Training and co-ordinating with the Team for timely effective process.

Key Responsibilities

Responsible for maintaining the corporate credit policy as per the parameters laid down in Product Policy.Responsible for Effective Cost Management.Understanding Managing Healthy Portfolio.