Branch Credit Manager

3 weeks ago

Basavakalyan Karnataka HubliDharwad Karnataka, India Equitas Small Finance Bank Full time

Role Description Designation Branch Credit Manager Grade EB-2-Assistant Manager EB-3-Deputy Manager Legal Entity Equitas Small Finance Bank Business Unit Retail Banking Division Emerging Enterprise Banking Department Credit Travel required Yes No if Yes please mark - Level of travel Moderate Extensive Level Individual Contributor Supervisory Purpose of the role The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process To ensure high quality delivery of relevant vehicle finance products services to our clients in a fair and transparent manner The role holder is responsible for the credit appraisal of all vehicle finance proposals at the branch for New CV business The role holder is also responsible for escalating proposals that fall beyond the incumbent s empowerment level Key Responsibilities Ensure proper credit evaluation of customers as per policy process Conduct personal discussion with customers for evaluation of Loan proposal Support the branch team in achieving desired branch objective Manage Maintain TAT for Loan disbursement Supervisor mentor Credit officer Officer Credit Operation To diligently appraise loan applications in line with credit policy of the organization Ensure Credit policies to build a good quality portfolio of the branch Ensure File is completed in all aspects before the Loan is Disbursed Maintain records Completion of PDD on time for the Loan Disbursed Ensure Quality Portfolio of the branch is Maintained Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria Maintain high standards on credit appraisal through personal understanding of customer as appropriate supplemented by documentation provided Minimize turnaround time per application Maintain a high quality portfolio at branch level Manage and support other operations activities at the branch Escalate proposals beyond empowered limit for review of Area Regional Credit Manager as appropriate Ensure that the PDD is collected and maintained as per credit norms Desired Experience Number of years of experience 05-08 years Type of companies sector worked for Private commercial banks and large NBFCs Responsibilities managed in the previous organizations Primarily Credit function Past experience in credit side of CV Languages English Hindi Marathi Computer technical skills Basic Computer Skills MSCIT Qualifications Graduation Any Graduate Post-graduation If any would be an added advantage Professional Qualifications If any would be an added advantage Certifications please specify If any would be an added advantage

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