Credit Manager - LAP (Raigarh)

Job Description Role & responsibilities

n n Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

n Under write proposals as per the laid down policies & procedure.

n Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

n Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.

n Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

n Build and facilitate the best outcomes for clients by building and leveraging effective relationships.

n Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

n Exceed service quality standards and strive for continuous process improvement.

n Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.

n Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.

n Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.

n Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

n Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies

n Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

n n Preferred candidate profile

n n CA/CFA or MBA in Finance.

n Experience as a Credit Manager in LAP

n Experience in End-to-End processing of loan proposals

n .