Credit Manager

Equitas Small Finance Bank Ltd.; Kota, Mudimadagu; In loco; INR 800.000 - 1.200.000; Tempo pieno

Descrizione del lavoro

Equitas Small Finance Bank Ltd. is seeking a Branch Credit Manager to focus on credit evaluation of housing finance and LAP customers.

The role involves verification of documents, personal discussions, and adherence to bank policy to ensure high-quality loan portfolios. The candidate will underwrite proposals, ensure timely disbursement, and mentor branch staff while escalating proposals beyond empowerment limits for review by senior management.

Competenze

• Experience in evaluating housing and LAP credit proposals.
• Proven ability to discuss loan viability with customers and assess income.
• Understanding of branch credit processes and TAT management.

Mansioni

• Ensure proper credit evaluation of customers as per policy & process.
• Conduct personal discussion with customers for evaluation of Loan proposal.
• Support the branch team in achieving desired branch objective.
• Manage & Maintain TAT for Loan disbursement.
• Supervising & mentoring team members.
• Diligently appraise loan applications in line with credit policy.
• Ensure file is complete before disbursement & maintain records.
• Underwrite proposals and decide on loan approval within empowerment.
• Escalate proposals beyond empowered limit for review by Area/Regional Credit Manager.

Conoscenze

Credit evaluation

Customer discussion

Credit policy

Team mentoring

Formazione

BCOM

MBA

CA

Strumenti

MSCIT

Descrizione del lavoro

Branch Credit Manager Purpose of the role: The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process To ensure high quality delivery of relevant Housing finance & LAP products & services to our clients in a fair and transparent manner. The role holder is responsible for the credit appraisal of all LAP & Housing proposals at the branch for New and existing customer of the bank. The role holder is also responsible for escalating proposals that fall beyond the incumbent's empowerment level.

Key Responsibilities:

• Ensure proper credit evaluation of customers as per policy & process
• Conduct personal discussion with customers for evaluation of Loan proposal
• Support the branch team in achieving desired branch objective.
• Manage & Maintain TAT for Loan disbursement.
• Supervisor & mentor team members
• To diligently appraise loan applications in line with credit policy of the organization.
• Ensure Credit policies to build a good quality portfolio of the branch.
• Ensure File is completed in all aspects before the Loan is Disbursed & Maintain records.
• Ensure approving authority of 35 Lac is utilized in a fair & transparent manner
• Ensure Quality Portfolio of the branch is Maintained
• Underwrite proposals and make decisions on loan approval and disbursement within empowerment based on credit evaluation criteria
• Maintain high standards on credit appraisal through personal discussion with customer, as appropriate supplemented by documentation provided
• Minimize turnaround time per application
• Evaluation of assessed and declared income group eligible for Housing & LAP .
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate

Desired Experience:

• Number of years of experience (05-07 years)
• Type of companies/sector worked for(Private commercial banks and large NBFCs)
• Responsibilities managed in the previous organizations(Primarily Credit function. Past experience in credit & operation (Housing & LAP credit evaluation will be basic criteria.)

Languages (English/Hindi/Marathi) Computer/technical skills (Basic Computer Skills MSCIT) Qualifications: Graduation: BCOM Post-graduation: MBA would be an added advantage Professional Qualifications: CA would be an added advantage Certifications: IF any would be an added advantage