Credit Manager

• Ensure quality Appraisal of credit for worthy borrowers.
• Ensure timely credit and transaction approvals for delegation under self.
• Follow up with seniors for credit / transaction approvals.
• Managing loan portfolio with respect to credit rating/quality.
• Identify de risk account / AL accounts.
• Monitoring of Team TAT and Productivity.
• Ensuring adherence to the credit policy and process.
• Review of Delinquency
• Review exceptions and approval for knocking.
• Respond on the Hindsight and Internal audit observations
• Conduct monthly Regional Council Meetings with all the stakeholders.

Strategic/ Managerial Responsibilities

• Discussion of observations with Seniors – ACH / RCH/ National Credit Manager and Chief Credit Officer
• Assessment of Credit Proposal / Case for his respective location / region
• Presentation of key observations to Senior Management on periodic basis
• Managing a team & drive the results/ goals set for self & Team.

• Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
• Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level
• Monitoring of delinquency, exceptions, portfolio movement.
• Maintaining data as required by the Senior Management