Branch Credit Manager

3 days ago

Coimbatore, Tamil Nadu, India Skillventory Full time ₹ 6,00,000 - ₹ 18,00,000 per year

Key roles and responsibilities typically include:

  • Credit Evaluation and Analysis:

  • Evaluating and analyzing the creditworthiness of new and existing potential customers seeking working capital loans.

  • Scrutinizing financial statements, credit reports, and payment histories.
  • Conducting thorough risk analyses to assess the degree of risk involved in lending.

  • Conducting personal discussions (PD) and physical visits to the customer's business place, unit, and residence as part of the appraisal process.

  • Decision Making and Policy Adherence:

  • Making informed decisions regarding loan approvals or rejections based on the assessment data and the bank's established credit policy and guidelines.

  • Ensuring all lending procedures and documentation comply with internal policies and regulatory guidelines.

  • Client and Portfolio Management:

  • Managing client relationships, including negotiating and discussing loan terms and interest rates with new clients.

  • Monitoring the portfolio of active working capital loans to ensure timely repayment and overall asset quality.

  • Handling and monitoring loan payments and bad debts, collaborating with collections teams when necessary for recovery.

  • Operational and Strategic Support:

  • Working closely with the business/sales team to source business loan files and maintain a quality portfolio.

  • Staying updated on changes in laws and regulations in the banking sector and reviewing/updating the bank's credit policy as needed.
  • Utilizing analytical skills and potentially building credit scoring models for risk assessments.

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