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Equitas Small Finance Bank
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Branch Credit Manager

Branch Credit Manager

Equitas Small Finance Bank

3 - 7 years

0 Lacs

karnataka

Posted:19 hours ago| Platform: Shine logo

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Skills Required

credit evaluation credit underwriting portfolio management risk assessment loan proposal evaluation tat management documentation management

Work Mode

On-site

Job Type

Full Time

Job Description

As a Credit Manager, your role involves ensuring proper credit evaluation of customers as per policy and process. You will conduct personal discussions with customers to evaluate loan proposals and support the branch team in achieving desired branch objectives. Additionally, you will manage and maintain Turnaround Time (TAT) for loan disbursement while supervising and mentoring Credit Officers and Officer Credit Operation. Key Responsibilities: - Diligently appraise loan applications in line with the credit policy of the organization - Implement credit policies to build a good quality portfolio for the branch - Ensure completion of all aspects of the file before loan disbursement and maintain records - Complete Pre-Disbursement Document (PDD) on time for the loans disbursed - Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria - Maintain high standards on credit appraisal through personal understanding of the customer, supplemented by documentation - Minimize turnaround time per application - Manage and support other operations activities at the branch - Escalate proposals beyond empowered limit for review by Area/Regional Credit Manager - Collect and maintain PDD as per credit norms to ensure quality portfolio maintenance at the branch level Qualifications Required: - [Add qualifications required] (Note: Any additional details about the company mentioned in the job description have been omitted),

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Equitas Small Finance Bank

Banking

Chennai Tamilnadu

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Branch Credit Manager