Job description
JOB ROLE
- Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
- Verifying the promoters 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
- Managing performance in terms of key drivers i.e. o Loses / Portfolio quality parameters o Cost of credit administration o Employee Productivity
SKILLS/COMPETENCIES REQUIRED
• Graduate/Postgraduate.
• 4-6 years Credit/Underwriting experience.
• Understanding of portfolio metrics.
• Strong inter-personal skills which encourages and promotes enthusiasm and team spirit
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