State Credit Manager

Role & responsibilities :

• Good understanding of credit policy and underwriting regarding Business Loans and LAP book
• Evaluating credit proposals covering financial, business, market risk & decision of the loan
• Appraising borrowers financial, business and credit track record to assess the credit worthiness
• Analysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity position
• Strong knowledge about local geography and socio-economic strata of the branch sales state.
• Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal risk
• To assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actions
• Understanding the customers requirements and ensuring quick service delivery