Branch Receivable Officer

Job Description

Basic Section No. Of Openings 1 External Title Branch Receivable Officer Employment Type Permanent Employment Category Field Closing Date 15 May 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Inclusive Banking - SBL Department Mortgages Sub-Department Receivables Generic Role Branch Receivables Officer External Title (Job Role) Branch Receivable Officer Division Inclusive Banking - SBL Zone South State Telangana Region AP and TG Area Telangana Cluster Telangana PT Location Warangal-VF Branch Code 5008 Branch Name Machiriyal Skills Skill Collection Highest Education Bachelor of Technology Working Language Telugu English About The Role Purpose of the role The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process To ensure high quality delivery of relevant Housing finance & LAP products & services to our clients in a fair and transparent manner. The role holder is responsible for the credit appraisal of all LAP & Housing proposals at the branch for New and existing customer of the bank. The role holder is also responsible for escalating proposals that fall beyond the incumbent's empowerment level. Key Responsibilities Ensure proper credit evaluation of customers as per policy & process Conduct personal discussion with customers for evaluation of Loan proposal Support the branch team in achieving desired branch objective. Manage & Maintain TAT for Loan disbursement. Supervisor & mentor team members To diligently appraise loan applications in line with credit policy of the organization. Ensure Credit policies to build a good quality portfolio of the branch. Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records. Ensure approving authority of 35 Lac is utilized in a fair & transparent manner Ensure Quality Portfolio of the branch is Maintained Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria Maintain high standards on credit appraisal through personal discussion with customer, as appropriate supplemented by documentation provided Minimize turnaround time per application Evaluation of assessed and declared income group eligible for Housing & LAP . Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate