Key Result Areas
Supporting Actions
- Credit Underwriting Management
- Undertake analysis of the credit proposal based on pre- determined criteria and analyze market information, current macroeconomic scenario, current portfolio concentration, etc.
- Make decision proposals within delegated authority
- Evaluate current credit proposals / review existing credit exposures with a view to bring out the industry, business, financial, management and facility structure risk.
- Highlight the other credit risks and mitigation actions to take decision / facilitate the approving authority to take decision on the credit proposal.
- Identify risks and suggest measures to mitigate risks to ensure workability of the loan proposals
- Ensure prompt resolution/ explanation of queries raised by sanctioning authorities
- Recommend delegation authority to RCMs/ACMs/CMs to ensure faster TAT for parameterized proposals.
- Work closely with the collection and legal to take action against defaulting parties
- Portfolio Management




- To monitor the STSL business portfolio performance by continuous analysis of fundamentals, review of the ratings, analysis of the covenant and evaluation of the industry performance in that sector
- Review the covenant of loan proposals at frequent intervals and undertake action for serious deviations
- Protect from potential loss on the credit portfolio by detecting early warning signals of deteriorating risks and advising these to the Relationship Managers, RSMs, NSMs and Senior Management.
- Formulate strategies to reduce exposures where the credit risk has enhanced including complete recovery before the credit deteriorates to non-performing category
- Process Improvements
- Provide inputs and suggest amendments for various lending norms like Risk Matrix, Interest Rate Policy, Credit Authorization Matrix, Risk Universe, Processes keeping the current regulatory and compliance environment in mind
- Undertake improvements in approval notes and other processes to meet

📌 Circle Credit Manager (Indore)
🏢 Financial services
📍 Indore