State Credit Manager - MP, Gwalior

Role&responsibilities : - Good understanding of credit policy and underwriting regarding Business Loans and LAP book - Evaluating credit proposals covering financial, business, market risk&decision of the loan - Appraising borrowers financial, business and credit track record to assess the credit worthiness - Analysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term&long term solvency&liquidity position - Strong knowledge about local geography and socio-economic strata of the branch sales state. - Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal risk - To assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actions- Understanding the customers requirements and ensuring quick service delivery - Hold high responsibility for implementation of high standards of underwriting and internal controls in the branch in order to safeguard the assets and data - Overseeing Operational risk&support functions including PDD, collections data and foreclosures requests - Monitor for checks on Frauds and Early Delinquencies; conduct regular branch audit - Regular monitoring of portfolio and collateral management - Monitor and enforce approval rate and TAT as per prescribed standards - Execution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit function- Basic Analytics and MIS reporting to various stakeholders on regular basis at branch level - Implement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unit - To initiate suitable process changes to reduce risk and improve overall efficiency - Team&Vendor Management mentor and train them for proper delegation of work and maintaining credit standards - Has to travel locally daily to do PD, make customer and vendor visits