Branch Credit Manager

Job Requirements Role/ Job Title: Branch Credit Manager - Micro Business Loan Function/ Department: Retail Underwriting Job Purpose The role bearer provides individual contribution by underwriting the proposals at the branch as per approved process, policy, and SLAs. Depending upon work requirement must manage multiple branches. They must interact with customers to assess the credit worthiness and aid in proper decisioning of the proposals. He/she is responsible for the portfolio quality of the branch including x bucket collection efficiency and early delinquency. BCMs with higher sub grade, vintage and experience are designated as Senior BCMs and given the experience they also must train other BCMs in the cluster and mostly handle high volume or sensitive branches. Roles & Responsibilities Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure. To ensure compliance to agreed SLAs in terms of Turnaround time and ensure other operational SOPs relating to credit underwriting are complied with. Conduct personal discussion with customers to establish credit worthiness. Visit the properties offered as security in case of property backed loans. Making sure completion of credit/KYC documents and verifications such as TVR, field & collateral visits Review and approve credit proposals basis delegated authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy. Manage Property Papers jointly with Branch Operations Manager Coordinate with internal stake holders for smooth functioning of the Branch on all aspects of Business, Portfolio quality and adherence to Branch SOPs Control and contain front-end delinquencies by quality underwriting as well as calling up customer on first presentation. Coordinate with vendors for timely submission and quality of reports. Senior BCMs should aid in training new BCMs of the cluster. Managerial And Leadership Responsibilities Should be capable of being groomed to handle ACM or BM role. Education Qualification Graduation: Any. Post-graduation: Preferable. Experience: 1-3 years of work experience (freshers can be considered based on exceptions). Show more Show less