 
						Credit Manager
2 days ago
Senior Credit Manager-Housing Finance-Credit
Role 
     Credit Appraisal 
     · Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities 
     · Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training 
     · Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation 
     Stock on Hire: Increase in volume of business 
     · Ensure that SOH increases(pl confirm if this applies to CM role ) 
     NPA trend 
     · Analyze the NPA trend like area, industry, sector etc. 
     · Interact with Customers & understand the business and regularly monitor delinquencies / infants. 
     Infant loan which is less than 12 months NPA 
     · Ensure qualitative portfolio 
     · Ensure that there is no infant 12 months NPA
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