Job Description
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
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
💡 Quick Summary
Seeking a career-building opportunity? The Credit Manager|SALARIED PL AND WORKING CAPITAL|Credit position is now open for candidates interested in the Bank Jobs sector. This role in Jaipur 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.
