Credit Manager-Working Capital-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 
·         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