Branch Credit Manager - Relationship Channel

Role Overview: You will be responsible for evaluating credit proposals, assessing financial, business, and industrial risks, and making decisions regarding loans. You will also verify the creditworthiness of the promoters and analyze the financial statements of potential customers to determine their solvency and liquidity positions. Your role will involve ensuring that the Bounce Rate and Delinquency levels are maintained within acceptable standards. Additionally, you will monitor and enforce approval rates and Turnaround Time (TAT) as per prescribed standards, as well as ensure that the monthly Branch audit score meets satisfactory levels. Vendor management and conducting customer meetings to evaluate credit proposals will also be part 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. - Monitor performance in terms of key drivers such as losses, portfolio quality parameters, cost of credit administration, and employee productivity. Qualifications Required: - Bachelor's degree in Finance, Business Administration, or a related field. - Proven experience in credit analysis, risk assessment, and financial statement analysis. - Strong understanding of lending principles and credit evaluation processes. - Excellent communication and interpersonal skills. - Ability to work effectively in a fast-paced environment and meet deadlines. - Knowledge of regulatory requirements and compliance standards in the financial industry.,