Branch Credit Manager

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

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