Regional Credit Officer (Unsecure Loans)

Job Description

Conduct regular branch audits and infrastructure checks to ensure compliance with company standards and policies. Monitor branch operations and processes to identify areas for improvement. Manage the file login, receiving, checking, and approval processes for customer applications, ensuring timely disbursement and dispatch. Oversee TAT management, tracking the duration from log-in to disbursement on a daily basis. Maintain a comprehensive record of total pendency and ensure adherence to TAT requirements. Monitor and analyze credit reporting submissions from credit officers to ensure accuracy and compliance with company policies. Prepare and share login versus status reports with Relationship Managers (RM), Senior Heads (SH), and Assistant Vice Presidents (AVP) to maintain transparency. Conduct regular training sessions for credit officers to enhance their understanding of company policies and procedures. Conduct MIS analysis, focusing on TAT metrics from login to disbursement and PDD (Post-Dated Cheques) submissions. Maintain RCU (Risk Control Unit) and FCU (Fraud Control Unit) operations to minimize risks associated with credit processes. Identify fraudulent cases during the credit assessment process and report findings to the credit manager at Head Office (HO) and relevant RMs or SHs. Oversee branch administration activities, ensuring smooth operations and adherence to compliance requirements. Ensure timely completion of PDD processes within the branch. Show more Show less