Branch Credit Manager

Role Description

Designation:  Branch Credit Manager

Grade: EB-2-Assistant Manager/EB-3-Deputy Manager

Legal Entity: Equitas Small Finance Bank

Business Unit: Retail Banking

Division: Emerging Enterprise Banking

Department:  Credit

Travel required: Yes/No (if Yes, please mark ->)

Level of travel: Moderate/Extensive

Level: Individual Contributor / Supervisory / 

Purpose of the role: 

• The position has been created to enable clear focus on Credit Evaluation of Customers through verification of documents and personal discussion as per company process

Key Responsibilities: 

• 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 Credit officer & Officer Credit Operation.
• 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.
• Completion of PDD on time for the Loan Disbursed 
• 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 understanding of customer, as appropriate supplemented by documentation provided
• Minimize turnaround time per application
• Maintain a high quality portfolio at branch level.
• Manage and support other operations activities at the branch.
• Escalate proposals beyond empowered limit for review of Area/Regional Credit Manager, as appropriate

Ensure that the PDD is collected and maintained as per credit norms.

Desired Experience:

• Number of years of experience (05-08 years)
• Type of companies/sector worked for(Private commercial banks and large NBFCs)
• Responsibilities managed in the previous organizations(Primarily Credit function. Past experience in credit side of CV.)
• Languages (English/Hindi/Marathi)
• Computer/technical skills (Basic Computer Skills MSCIT)

Qualifications:

• Graduation: Any Graduate
• Post-graduation: If any would be an added advantage
• Professional Qualifications: If any would be an added advantage
• Certifications (please specify): If any would be an added advantage