Branch Credit Manager

Job purpose

Branch Credit Manager will be playing a vital role in complete branch transaction & field visit.

Ensures that branch complying with process laid by HO.

Duties and responsibilities

• Attendance should be closed within 15 Minutes of Branch opening.
• Regular field visit combined with Business.
• Process the forms as per defined TAT.
• Loan disbursement should verify the original KYC, Bank Passbook and ensure loan disbursed to the right customer.
• Telephonic verification for arrears customers on same day.
• Receipts books of all CROs/ABM should be cross verified with Demand sheet & Minutes book.
• Checks the loan application with KYC & process the loan same day or if any discrepancies found the same should be communicated to the BM/AM/ACM.
• Process the forms as per defined TAT.
• Telecalling 30% of forms processing.
• Every weekend during the branch meeting BCM should explain the errors made by CRO in data entry & educate them.
• COB closed on date, In case of any delays should be communicated to ACM Credit & AM Business.
• Monitor the Cash in hand.
• Paid & Unpaid calling is mandatory.
• Any issues in branch should be escalated to his reporting manager.
• LD documents are couriered to LP on every end of the week as per policy without fail.
• All the GRTs should be authenticated by BCM before passing the LD.
• All the files & Register have to be verified on a daily basis.
• Key custodian of the safe vault & handling the Petty cash.
• MAVRC should be updated on the same day.
• Calling the delinquent customers track the PTP till the closure.
• Ensure Branch is maintaining good audit score.