Credit Manager-Rural Credit-Business Banking Underwriting

Job Requirements

Role/ Job Title:

Function/ Department:

Job Purpose

• To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.
• Maintain the service level deliverables agreed with counter parts.
• Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks’s risk appetite
  

Roles & Responsibilities

• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed, suitability to client requirement
• Conduct personal discussion with customers.
  

Portfolio Monitoring

• Timely Renewal
• Deferral Management
• EWS Management
• Customer visits on key customers and high value relationship
  

• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
  

Secondary Responsibilities

• Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required.
• Ensure all MIS related to credit are submitted within defined timeliness.
• Area Knowledge
  

Education Qualification

Experience: