Credit Manager-Personal Loan-Credit

Credit Manager

Maharashtra, India 

Role 

Credit Appraisal 

·         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 Stock on Hire: Increase in volume of business 

·         Ensure that SOH increases (pl confirm if this applies to CM role)  NPA trend 

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

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

Infant loan which is less than 12 months NPA 

·         Ensure qualitative portfolio 

·         Ensure that there is no infant 12 months NPA 

Daily tasks: 

·         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