Job Description
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
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
💡 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 New Delhi 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.
