Credit Manager - Personal Loans/Working Capital

- Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities

- Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training

- Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation

- Ensure that SOH increases(pl confirm if this applies to CM role )

- Analyze the NPA trend - like area, industry, sector etc.

- Interact with Customers & understand the business and regularly monitor delinquencies / infants.

- Ensure qualitative portfolio

- Ensure that there is no infant 12 months NPA

Daily Tasks Include:

- Daily accessing the loan file

- Daily case discussion with Sales team

- Preparing credit underwriting for the cases assigned

- Personal discussion calls with customer - financials & banking

- Decision making with predefined TAT

- Tele-verification calls to the customer

- Train sales team on credit policy, procedures etc.