Area Credit Manager

4 days ago


Vijayawada, India Skillventory Full time

Job Description

We are seeking an experienced Area Credit Manager to oversee the credit assessment and approval process for home loans, Loan Against Property (LAP), and Non-Residential Property (NRP) cases. The ideal candidate will have expertise in assessing both salaried and self-employed customer profiles, managing a team, and ensuring all credit proposals align with the bank's standards and policies.

Key Responsibilities

- Credit Assessment & Approval: Perform credit assessments for home loan, LAP, and NRP applications for both self-employed and salaried customers. Prepare the Credit Appraisal Memo (CAM) and proposal notes. Approve cases up to the assigned limit and recommend high-value cases to senior management.
- Risk Management: Assess and mitigate risks associated with each loan proposal. Ensure all proposals comply with legal, technical, and sanction conditions.
- Portfolio & Quality Control: Maintain a portfolio of lenders and ensure loan quality is at par with bank standards.
- Team & Operations Management: Handle branch dockets for the disbursement process. Manage a team and Credit Processing Agencies (CPAs) to ensure smooth operations and maintain a healthy Credit Turnaround Time (TAT).
- Reporting: Maintain a daily MIS (Management Information System) for various branches to track performance.


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