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Equitas Small Finance Bank
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Branch Credit Manager

Branch Credit Manager

Equitas Small Finance Bank

3 - 5 years

1 - 5 Lacs

Ludhiana Moga

Posted:2 months ago| Platform:

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Skills Required

Credit analysis loan applications MIS documentation credit appraisal processes

Work Mode

Work from Office

Job Type

Full Time

Job Description

Evaluate loan applications (secured/unsecured) as per credit policy. Analyze financial statements, CIBIL scores, and repayment capacity. Approve/reject proposals within delegated authority limits. Mitigate risks by ensuring collateral adequacy and proper documentation. Train branch staff on credit appraisal processes and fraud detection. Monitor portfolio quality and highlight early warning signals (EWS). Liaise with legal teams for recovery actions on NPA accounts. Ensure compliance with RBI guidelines (e.g., IRAC norms, restructuring). Optimize TAT for credit decisions without compromising due diligence. Prepare MIS reports on sanctions, disbursements, and delinquencies.

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Equitas Small Finance Bank

Banking

Chennai Tamilnadu

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Branch Credit Manager