
Branch Credit Manager
4 weeks ago
Job Title: Branch Credit Manager (BCM)
Location: Davangere, Chitradurga, Shivamogga, Hospet, Kustagi, Vijayapura - North Karnataka
Grade: Deputy Manager / Manager
Experience: 3 to 5 Years in Credit - LAP / Micro LAP
Job Description
Functional Responsibilities:
- Oversee the credit granting process, maintaining credit policy and conducting periodic reviews of existing customers.
- Evaluate the creditworthiness of potential customers.
- Ensure all lending procedures comply with regulatory guidelines.
- Approve or reject loan applications based on assessment and available data.
- Set appropriate loan limits for customers.
- Negotiate loan terms with new clients.
- Maintain records of all company loans and credit transactions.
- Monitor loan repayments and identify delinquent accounts.
- Review and update internal credit policies regularly.
Functional Competencies:
- Strong analytical and financial assessment skills.
- Proficient in creating and processing financial spreadsheets.
Behavioral Competencies:
- Quick learner with strong adaptability.
- Good verbal and written communication skills.
- Proficiency in English and Kannada preferred
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