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
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