Job Description

Job Category: KMBL
Degree Level: Bachelor's Degree
:
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

Skills Required