Branch Credit Manager

• · 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