Credit Manager-CONSUMER SERVICE GROUP-Credit

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