Credit Manager-Rural Credit-Business Banking Underwriting

Role/ Job Title:Credit Manager - Rural Credit - Business Banking Underwriting

Function/ Department:Credit

Job Purpose:

The role bearer has the responsibility to coordinate with sales team to achieve target of the area assigned. To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities:

• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion / highlight critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed suitability to client requirement.
• Conduct personal discussion with customers.
• Control and contain front-end delinquencies by calling up customer on first presentation.
• Completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Coordinate with sales to achieve targets and ensure SLAs are met.
• Ensuring credit policy adherence to the accepted standards.
• Portfolio Monitoring:
• Timely Renewal
• Deferral Management
• EWS Management
• Customer visits on key customers and high value relationship.

Education Qualification:

Graduation: Any

Post-graduation: MBA, PGDM

Professional Qualification/Certification: Chartered Accountant (CA)

Experience:2+ years of relevant experience.