Job DescriptionRole & responsibilities
n
- n
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.n
- Under write proposals as per the laid down policies & procedure.n
- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.n
- Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.n
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.n
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships.n
- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problemsn
- Exceed service quality standards and strive for continuous process improvement.n
- Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.n
- Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.n
- Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.n
- Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.n
- Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policiesn
- Manage the credit underwriting function of his/her branch and facilitate quick turn