Cross verification of PDs, quality check of product and manufacturer/supplier.
Dealing with the credit operations including appraising proposals, conducting risk analysis & scrutinizing documents before sanctioning.
Presenting cases to credit committee.
Conducting regular training to CRM and Credit Team at HO.
Implementing new changes like in CAM, FIR, policy & processes, DMS etc
Team management - Maintaining good relation among credit team at HO and Branch and with other departments.
Maintaining delinquency below 2%.
Analysis of Overdue account and taking action including training. Having strong eyes on all nonstarter case.
Assisting Credit Head for Product, segment , manufacturer , branch wise and even executive wise portfolio analysis.
Must be having an experience in SME/machinery loan credit.
Good eye for detail
Good analytical Skills
Understanding of credit policies and procedures
Behavioral Competencies Required:
Concern for quality