Branch Credit Manager

JOB TITLE REPORTS TO Branch Credit Manager Branch Manager 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. o Loses / Portfolio quality parameters o Cost of credit administration o Employee Productivity SKILLS/COMPETENCIES REQUIRED • Graduate/Postgraduate. • 4-6 years Credit/Underwriting experience. • Understanding of portfolio metrics. • Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.