Credit Manager-Working Capital-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

Daily tasks:

• Daily accessing the loan file
• Daily case discussion with Sales team
• Preparing credit underwriting for the cases assigned
• Personal discussion calls with customer financials & banking
• Decision making with predefined TAT
• Tele-verification calls to the customer