Branch Credit Manager

Job Description

Job Role : • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • Verifying the promoters track record & ascertaining their credit worthiness. • Analysis of the financial statements of the prospective customer to identify the short term & long term • solvency & liquidity position • To ensure Bounce Rate and Delinquency are within acceptable standards. • Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit score is satisfactory. • Vendor Management. • To conduct customer meeting to evaluate credit proposal • PDD Tracking and closure • Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilities : • Credit Decisions • Take sound lending decisions based on available information & interactions with the applicants. • Manage credit quality and control delinquencies, frauds. • Monitoring Performance • Managing performance in terms of key drivers i.e. • 0-Loses / Portfolio quality parameters. • 0-Cost of credit administration. • 0-Employee Productivity. Mandatory Skills : • Graduate/Postgraduate. • 4-6 years Credit/Underwriting experience. • Understanding of portfolio metrics. • Strong inter-personal skills which encourages and promotes enthusiasm and team spirit. Forward your updated resume - Murugasurya.p@hdbfs.com -- Regards, Surya HR - Team HDB Financial Services murugasurya.p@hdbfs.com