Credit

Appraisal & Loan Sanction
Evaluate loan proposals based on internal credit policies and risk parameters.
Assess borrower eligibility, repayment capacity, and cash flow analysis.
Sanction loans within delegated authority or recommend for higher approval.
Ensure accurate assessment of customer profiles under group loans/individual lending models.
Personal

Discussion (PD) & Customer Assessment
Conduct Personal Discussions (PDs) with applicants to validate:

o Income sources and stability o Household cash flows o Business viability o Repayment intent and discipline
Verify customer credentials through field visits where required.
Identify any discrepancies between documented and actual information.
Risk Evaluation & Fraud Control
Detect early warning signals and potential credit risks.
Ensure solid due diligence to prevent fraudulent lending.
Validate KYC and end-use of funds.
Portfolio Quality

Management
Monitor repayment trends and delinquency at the branch level.
Track PAR (Portfolio at Risk)



and ensure it remains within benchmarks.
Support collections team in resolving high-risk or delinquent accounts.
Policy & Compliance
Ensure all sanctions are in line with internal policies and regulatory guidelines.
Maintain proper documentation and audit-ready loan files.
Address audit observations and ensure timely closure.
Business

Support & Coordination
Work closely with branch sales and operations teams to ensure smooth loan processing.
Balance business growth with sound credit quality.
Provide feedback to sourcing teams on proposal quality and gaps.
Field

Verification & Monitoring
Conduct random field checks to validate borrower data and utilization of funds.
Reporting & MIS
Maintain records of PDs, approvals, and rejections.
Generate branch-level credit performance reports.
Track sanction TAT and productivity metrics.

Key Responsibilities:

📌 Branch Credit Manager Panna
🏢 Unity SFB
📍 Panna