Role & responsibilities:Positive understanding of credit policy and underwriting regarding Business Loans and LAP bookEvaluating credit proposals covering financial, business, market risk & decision of the loanAppraising borrowers financial, business and credit track record to assess the credit worthinessAnalysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity positionStrong knowledge about local geography and socio-economic strata of the branch sales state.Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal riskTo assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actionsUnderstanding the customers requirements and ensuring quick service deliveryHold high responsibility for implementation of high standards of underwriting and internal controls in the branch in order to safeguard the assets and dataOverseeing Operational risk & support functions including PDD, collections data and foreclosures requestsMonitor for checks on Frauds and Early Delinquencies; conduct regular branch auditRegular monitoring of portfolio and collateral managementMonitor and enforce approval rate and TAT as per prescribed standardsExecution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit functionBasic Analytics and MIS reporting to various stakeholders on regular basis at branch levelImplement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unitTo initiate suitable process changes to reduce risk and improve overall efficiencyTeam & Vendor Management mentor and train them for proper delegation of work and maintaining credit standardsHas to travel locally daily to do PD, make customer and vendor visits