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HDB Financial Services
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Branch Credit Manager

Branch Credit Manager

HDB Financial Services

2 - 5 years

2 - 5 Lacs

Amritsar

Posted:5 months ago| Platform:

Apply

Skills Required

Loan Against Property Credit Underwriting Personal Loan PDS Credit Appraisal Credit Assessment CAM

Work Mode

Work from Office

Job Type

Full Time

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 Responsibilties

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. Loses / Portfolio quality parameters

Cost of credit administration

Employee Productivity

Regards

Rupali

9354966985

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