01Overview
Credit Manager-RELATIONSHIP BANKING GROUP-Credit
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 .
