Credit Manager-CONSUMER SERVICE GROUP-Credit
3 weeks ago
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
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