Job Description
Role/ Job Title: Credit Manager-Rural Credit-Business Banking Underwriting
Function/ Department: Business Banking Underwriting
Job Purpose:
• To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.
• Maintain the service level deliverables agreed with counter parts.
• Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks’s risk appetite
Roles & Responsibilities:
Appraisal of proposals:
• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed, suitability to client requirement
• Conduct personal discussion with customers.
Portfolio Monitoring:
• Timely Renewal
• Deferral Management
• EWS Management
• Customer visits on key customers and high value relationship
TAT
• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
Education Qualification:
Graduation: Any graduate
Experience: 2-5 years of relevant experience.
Function/ Department: Business Banking Underwriting
Job Purpose:
• To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit.
• Maintain the service level deliverables agreed with counter parts.
• Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks’s risk appetite
Roles & Responsibilities:
Appraisal of proposals:
• Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
• To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
• Awareness of the product proposed, suitability to client requirement
• Conduct personal discussion with customers.
Portfolio Monitoring:
• Timely Renewal
• Deferral Management
• EWS Management
• Customer visits on key customers and high value relationship
TAT
• Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.
Education Qualification:
Graduation: Any graduate
Experience: 2-5 years of relevant experience.
💡 Quick Summary
Seeking a career-building opportunity? The Credit Manager-Rural Credit-Business Banking Underwriting position is now open for candidates interested in the Bank Jobs sector. This role in Ganganagar offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.