Branch Credit Manager

Credit Verification , Perperty Papers Checking , Field Visit, Loan Checking , CAM Preparation , Fard & Legal chain checking.The Branch Credit Manager is responsible for overseeing the credit granting process for the branch.

This includes consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers. The role requires a thorough understanding of the branchs business, strong analytical skills, and the ability to make sound decisions.

Key Responsibilities:
Credit Assessment & Approval:
Evaluate and analyze the creditworthiness of new and existing customers.
Approve or reject credit applications based on the companys credit policies.
Ensure that all credit decisions are well-documented and comply with regulatory requirements.

Risk Management:
Monitor and manage the branchs credit risk.
Develop and implement strategies to minimize bad debts and loan defaults.
Conduct regular portfolio reviews to identify and mitigate potential risks.

Customer Relationship Management:
Maintain strong relationships with key clients to ensure customer satisfaction and loyalty.
Resolve customer disputes and queries related to credit terms and conditions.

Compliance & Reporting:
Ensure compliance with all internal policies and external regulations.
Prepare regular reports on the branchs credit performance for senior management.
Keep up-to-date with changes in laws and regulations affecting credit management.

Team Leadership:
Provide training and support to credit officers and other staff members.
Foster a positive and productive work environment within the branch.

Collaboration:
Work closely with other departments (e.g., Sales, Operations) to ensure seamless customer service and effective credit management.
Participate in branch meetings and contribute to overall branch strategies and objectives.