An Area Credit Manager (ACM) for MSME working capital evaluates loan proposals and manages credit risk for small-to-medium businesses within a specific region. The role focuses on underwriting accuracy, income appraisal, ensuring quick Turn Around Time (TAT), and maintaining healthy portfolio quality.
Team Handling
Working capital Product - MSME / BBG
Evaluating the creditworthiness of potential customers.
Creating credit scoring models for risk assessments.
Approving and rejecting loans based on available data.
Calculating and setting loan interest rates.
Negotiating the terms of the loan with current clients.
Ensuring all loans and lending procedures comply with regulations.
Maintaining records of all company loans.
Monitoring loan payments and bad debts.
Reviewing and updating the company’s credit policy.