Branch Credit Manager

2 hours ago

Kerala Kollam South Emerging Enterprise Banking, India Equitas Small Finance Bank Full time ₹ 5,00,000 - ₹ 15,00,000 per year
  • 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.

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