Credit Specialist
1 month ago
· Credit Underwriting
o Take Decisions based on customer documents (KYC and Financial documents) , Credit Approval Memo and verification
reports
o Decision the file based on policy norms and within the permitted TAT.
o On receiving additional documents initiate process for sanction (seeking approvals)
o Ensure closure of deferral cases within the defined time limits.
· Personal Discussion with customers
o Meet the customers personally for analyzing and assessing the business set up, end use of loan and business projections etc.
o Submit duly signed report ( on system) for future reference
· Portfolio Management
o Track credit processes and monitor adherence to all compliance and regulatory norms as well as organization policies
o Monitor delinquency across locations and regions
o Monitor and assess credit manager delinquency
o Introduce measures to Control delinquencies
· Interact with channels
o Meet channel partners to boost business volumes, quality of sourcing, TAT monitoring etc.
o Provide training to channel partners on policies and processes
· Monitor and Interact with External Vendors or Third party service providers
o Monitor and review Service Quality of vendor (TAT, Quality of reports, customer details captured)
o Conduct periodical updates with respect to policy and process changes with the vendors
o Reduce credit cost incurred through vendors
B) Supplementary Responsibilities:
· Resolve Audit queries
· Provide inputs on process and policy improvements
· Take feedback from markets (through credit teams) for introduction of new products, feedback on processes and alignment of the
same with the industry.
· Train Credit Officers/ CPC team for enhanced performance on policies and processes
C) Records/Trackers/Reports maintained by role:
· Channel Visit Report
· Vendor visit report
· Daily productivity report
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