Branch Credit Manager

You will be responsible for ensuring proper credit evaluation of customers in accordance with the policy and process. This will involve conducting personal discussions with customers to evaluate loan proposals. Your support will be crucial in helping the branch team achieve their desired objectives. It will also be your responsibility to manage and maintain the Turnaround Time (TAT) for loan disbursement. As a supervisor and mentor, you will guide Credit Officers and Officer Credit Operation team members. Your role will include diligently appraising loan applications as per the organization's credit policy. You will also need to ensure that credit policies are followed to maintain a high-quality portfolio for the branch. You will be in charge of ensuring that all files are completed in every aspect before the loan disbursement and maintaining accurate records. Timely completion of Pre-Disbursement Documentation (PDD) for the loans disbursed will be part of your duties. It will be essential to maintain a quality portfolio for the branch and underwrite proposals while making decisions on loan approval and disbursement within the specified empowerment levels based on credit evaluation criteria. Maintaining high standards in credit appraisal, understanding customers personally, and reviewing documentation provided will be necessary to minimize the turnaround time per application. You will also be responsible for managing and supporting other operational activities within the branch. If a loan proposal exceeds the empowered limit, you will need to escalate it for a review by the Area/Regional Credit Manager. Ensuring the collection and maintenance of PDD as per credit norms will also be a key aspect of your role.,