Branch Credit Manager

Role & responsibilities

• Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Verifying the promoters track record & ascertaining their credit worthiness.
• Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
• To ensure Bounce Rate and Delinquency are within acceptable standards.
• Monitor and enforce approval rate and TAT as per prescribed standards.
• Monitor and ensure that monthly Branch audit score is satisfactory.
• Vendor Management.

Preferred candidate profile

Credit Decisions

• Take sound lending decisions based on available information & interactions with the applicants.
• Manage credit quality and control delinquencies, frauds.

Monitoring Performance

• Managing performance in terms of key drivers i.e.

oLoses / Portfolio quality parameters

oCost of credit administration

oEmployee Productivity

Perks and benefits