Branch Credit Manager

A Branch Credit Manager's job involvesmanaging a branch's credit activities by evaluating loan applications, minimizing risk, and ensuring compliance with regulations. Key responsibilities include assessing creditworthiness, approving or denying credit, monitoring existing loans, and providing guidance to branch staff on credit-related matters. The role requires strong analytical and risk assessment skills, often needing at least 5 years of credit experience and a bachelor's degree in a relevant field.

Key responsibilities

• Credit assessment and underwriting:

  Evaluate creditworthiness, analyze financial statements, and approve or deny credit applications based on company policy and risk assessment.

• Risk management:

  Monitor the branch's credit portfolio to minimize risk and control delinquency and non-performing assets (NPAs).

• Policy and compliance:

  Ensure all credit activities adhere to regulatory standards, legal requirements, and internal policies.

• Staff training and guidance:

  Provide training to branch staff on credit procedures, risk management, and best practices.

• Reporting:

  Prepare and present credit reports, analysis, and performance metrics to senior management.

• Customer relations:

  Handle customer inquiries, resolve issues related to credit decisions, and conduct customer visits to assess business and income.

• Process improvement:

  Collaborate with other departments and provide feedback on credit policies to help streamline processes and manage credit costs.