Job Description :
Credit Appraisal of 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.
Conduct personal discussion with customers to establish Credit worthiness. Use performance history along with liquidity, debt / asset management and profitability ratios to assess creditworthiness in evaluation Interact with Customers & understand the business and regularly monitor delinquencies.
Decision making within defined TAT Understanding of property / collateral related knowledge (like legal title and market value of the property) Vendor TAT management, Vendor Visits, Vendor payments.
Credit underwriting on the customer to make sure that customer fits into various lending parameters. Identify strengths and risks for any proposal and prepare a SWOT analysis around it.
Regular interaction with the FI agency, Legal, Technical team, RCU team for timely reports. Responsible for PDD monitoring and collateral management.
Coordination with Operations team for disbursal and PDD process. Ensure all MIS are prepared and published within defined timelines.