Branch Credit Manager

Year Suriapet, Telangana, India

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Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.

Verifying the promoter's 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

KEY RESPONSIBILITIES
Credit Decisions

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

Monitoring Performance

o Loses / Portfolio quality parameters
o Cost of credit administration
o Employee Productivity
SKILLS

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