Job DescriptionRole & responsibilities
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- Review and assessa 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 problems N
- 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 turnaroundtime 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 & policies N
- Manage the credit underwriting function of his/her branch and facilitate

📌 Credit Manager (Alibag)
🏢 Ratnaafin
📍 Alibag