Branch Credit Manager

Job Description: As a Credit Analyst, you will be responsible for evaluating credit proposals to assess financial, business, and industrial risks related to loan decisioning. You will verify the track record of promoters to determine their creditworthiness and analyze the financial statements of prospective customers to evaluate their solvency and liquidity positions. Your role will also involve ensuring that the Bounce Rate and Delinquency levels are maintained within acceptable standards. Additionally, you will monitor and enforce approval rates, Turnaround Time (TAT), and ensure that the monthly Branch audit score meets satisfactory levels. Vendor management, conducting customer meetings for credit evaluations, and tracking and closing Pre-Disbursement Document (PDD) are also key aspects of your responsibilities. Key Responsibilities: - Make sound lending decisions based on available information and interactions with applicants. - Manage credit quality and control delinquencies and frauds effectively. - Monitor performance metrics related to key drivers such as losses, portfolio quality parameters, cost of credit administration, and employee productivity. Qualifications Required: - Bachelor's degree in Finance, Accounting, Economics, or related field. - Strong analytical skills and attention to detail. - Knowledge of financial statement analysis and risk assessment. - Prior experience in credit analysis or related field preferred.,