Job description

Roles and Responsibilities

• Looking after credit underwriting of Machine Loan

• Credit Appraisal of Loan applications within defined product/policy guidelines and accordingly take decision or recommend for approval to higher authorities

• Adherence to the accepted level of Turn Around Time (TAT) in processing of Loan files

• Managing Credit vendors involved in the verification process

• Co-ordinating with internal teams like RCU, Operations and Sales in terms of resolving the discrepancies in the processing of loan files

• Desired level of portfolio quality and enabling achievement of Branch Business target

• Conducting Personal Discussions with Customer to understand his/her financial need, business model, cash flow, end use of funds and collateral related aspects

• Sound knowledge understanding of local market and property nuances related to local area

• Work closely with the Regional Credit Manager (RCM) on offering innovative product offerings

• Review of Underwriting process and provide necessary training inputs to Credit Mangers

• Manage the technical and Legal evaluation process

• To ensure Post Disbursement Documents (PDD) for Branch and Area is monitored and is well within the threshold

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