Area Credit Manager - Rural Secured Loans

Job Requirements

Role/ Job Title:

Function/ Department:

Job Purpose

To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit. Maintain the service level deliverables agreed with counter parts.

Roles & Responsibilities

Appraisal of proposals:

• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risk along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed suitability to client requirement.
• Conduct personal discussion with customers.
  

Portfolio Monitoring

• Timely Renewal.
• Deferral Management.
• EWS Management.
• Customer visits on key customers and high value relationship.
  

Turn Around Time

• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
• Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required.
• Ensure all MIS related to credit are submitted within defined timeliness.
• Area Knowledge.
  

Education Qualification

Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate.

Experience: