Branch Credit Manager

Designation

Branch Credit Manager
Job Type

Full-Time
Remuneration

As per industry standard
Job Summary

The Branch Credit Manager (BCM) will be responsible for evaluating credit proposals, conducting customer visits, assessing business income, and ensuring adherence to credit policies. This role requires a keen eye for potential risks, thorough due diligence, and maintaining high standards of credit information and underwriting. The BCM will also manage disbursement officers and contribute to policy development.
Key Responsibilities
- Evaluation of Proposals put up for recommendation / approval as per credit policy.
- Customer visit and discussions to assess the loan requirement.
- Customer business and income assessment.
- Understanding the business thoroughly for self-employed non-professional profiles.
- Ascertaining and validating the revenue streams and expenditure of the business.
- Should be able to see through the potential risks of the proposal.
- Should have ability to do due diligence without sufficient and formal documents / data.
- Files Checking as per Credit Policy.
- Risk Analysis related to case & Client.
- Maintaining quality of credit information, underwriting standards and presentation.
- PDD and Portfolio Management.
- Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
- Handling Disbursement officers for process.
- Accuracy of work and timeline adherence.
Desired Profile
- Educational Qualifications: Any Graduate.
- Experience: Minimum of 3-6 Years experience in Credit.
- Strong analytical and risk assessment abilities.
- Ability to maintain high standards of credit information and underwriting.
Locations

Dhrangadhra, Gujarat