Job Description :

1. Credit Analysis and Evaluation

a. Lead a team of Area Credit Managers for the assigned area/region to ensure credit related activities are carried out effectively.

b. Guide the team on a daily basis to ensure the activities are carried out effectively and all organizational processes are adhered to.

c. For any kind of deviation approvals on loans the RCM will take a call based on existing policies.

d. Acts as an escalation point for any issues.

e. Ensure team is checking every application in detail to ensure there is no scope for fraud, manipulation or error by any party involved.

f. Keeps self and others abreast by closely monitoring changes in Organization policies towards loan disbursal and quickly implements the same in day to day working. Maintain process checklist and quality checks

g. Ensure overall compliance to the TAT without compromising the rigour required for credit analysis.

h. Ensure atleast 6 days site visit in a month

i. Maintains portfolio quality

2. MIS and Reports

a. Builds and maintains effective MIS including - daily business MIS, disbursal MIS, IMD and Vendor MIS. Provide these reports to Zonal Head, national Head and HO on a timely basis.

b. Provide Legal/ valuation report trigger to vendors for action.

c. Ensure team obtains and compiles copies of loan applicants' credit histories, corporate financial statements, and other financial information.

3. Training

a. RCM trains SBU teams on credit philosophy & norms

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