State Credit Manager - Gujarat

Role & responsibilities

• Good understanding of credit policy and underwriting regarding Business Loans and LAP book
• Evaluating credit proposals covering financial, business, market risk & decision of the loan
• Appraising borrowers financial, business and credit track record to assess the credit worthiness
• Analysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity position
• Strong knowledge about local geography and socio-economic strata of the branch sales state.
• Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal risk
• To assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actions
• Understanding the customers requirements and ensuring quick service delivery
• Hold high responsibility for implementation of high standards of underwriting and internal controls in the branch in order to safeguard the assets and data
• Overseeing Operational risk & support functions including PDD, collections data and foreclosures requests
• Monitor for checks on Frauds and Early Delinquencies; conduct regular branch audit
• Regular monitoring of portfolio and collateral management
• Monitor and enforce approval rate and TAT as per prescribed standards
• Execution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit function
• Basic Analytics and MIS reporting to various stakeholders on regular basis at branch level
• Implement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unit
• To initiate suitable process changes to reduce risk and improve overall efficiency
• Team & Vendor Management mentor and train them for proper delegation of work and maintaining credit standards
• Has to travel locally daily to do PD, make customer and vendor visits