Branch Credit Manager

Job Role

• 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.
• To conduct customer meeting to evaluate credit proposal
• PDD Tracking and closure
• Compliance to repayment instrument replenishment to ensure regular repayment of EMI.

Responsibilities

• 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.
• 0-Loses / Portfolio quality parameters.
• 0-Cost of credit administration.
• 0-Employee Productivity.

Preferred candidate profile

• Graduate/Postgraduate.
• 4-6 years Credit/Underwriting experience.
• Understanding of portfolio metrics.
• Strong inter-personal skills which encourages and promotes enthusiasm and team spirit.

Interested candidate can share resume on suvarna.chiplunkar@hdbfs.com