Credit Manager-Working Capital-Credit

Role

Credit Appraisal

.Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities

.Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training

.Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation

Stock on Hire: Increase in volume of business

.Ensure that SOH increases(pl confirm if this applies to CM role )

NPA trend

.Analyze the NPA trend like area, industry, sector etc.

.Interact with Customers & understand the business and regularly monitor delinquencies / infants.

Infant loan which is less than 12 months NPA

.Ensure qualitative portfolio

.Ensure that there is no infant 12 months NPA

Daily tasks:

.Daily accessing the loan file

.Daily case discussion with Sales team

.Preparing credit underwriting for the cases assigned

.Personal discussion calls with customer financials & banking

.Decision making with predefined TAT

.Tele-verification calls to the customer

Full time