Job Description

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