Branch Credit Manager - Relationship Channel

Role Overview: As a credit evaluator, your main responsibility will be to evaluate credit proposals by assessing financial, business, and industrial risks associated with the loan applicants. You will also need to verify the track record of the promoters to determine their creditworthiness. Analyzing the financial statements of potential customers to assess their solvency and liquidity positions will also be a crucial part of your role. Ensuring that the bounce rate and delinquency levels are within acceptable standards will be essential, along with monitoring and enforcing approval rates and turnaround time as per set standards. It will also be your responsibility to monitor the monthly branch audit score and manage vendor relationships. Conducting customer meetings to evaluate credit proposals, tracking PDD, and ensuring closure will also be part of your duties. Key Responsibilities: - Make sound lending decisions based on available information and interactions with applicants. - Manage credit quality and control delinquencies and frauds effectively. - Monitor and manage performance in terms of key drivers such as losses, portfolio quality parameters, cost of credit administration, and employee productivity.,