Retail Credit Manager

Job Description To underwrite and manage the portfolio in assigned branch/location Responsibilities: - Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. - Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. - Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. - Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. - Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. - Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties - Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems - Exceed service quality standards and strive for continuous process improvement - Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. - Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. - Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. - Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. - Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies - Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.