Credit - Retail Secured Credit Manager Location N-BRM Barmer

Credit Manager Key Result Areas Supporting Actions 4 Key Result Areas Write the key results expected from the job and the supporting actions for each of these key result areas For a majority of jobs typically there could be 4- 7 key result areas To Assess and conduct detailed credit analysis evaluation of lending proposals for approval decision at the local level or further recommendation for approval decision at the Regional National Credit Committee levels To scrutinize the credit proposals by analyzing the client creditworthiness business strength market credibility Financial statements Income Tax returns cash flow statements repayment track record average bank balance adherence to other internal credit norms To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer To undertake detailed external research and market feedback including banker Suppliers customers on the loan proposal and evaluate the proposal in accordance To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated To submit Credit Appraisal Memo to the Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision Ensuring no loss of revenue - by issuing proper sanction letter as per approvals are being issued Key Result Areas Supporting Actions capturing the right deviation while assessing the case To ensure document execution from RMs the handover of complete documentation to MOG for disbursement of loans Ensuring proper mortgage is created in favour of ABFL Ensuring the underlying security mortgaged is marketable and having a transparent title Significant Credit Delegation and deviation authority Area Credit Manager have the financial delegation of up to 1 50 Crs Introduction of high risk products like funding on industrial warehouse and Plo

📌 Credit Manager (Barmer)
🏢 Aditya Birla Group
📍 Barmer