Area Credit Manager - Bhadrak

CreditAssessment&Underwriting

• ReviewRetailSecuredloanapplicationsandassessborrowercreditworthiness.
• Conductdetailedanalysisofcustomerprofiles,income,repaymentcapacity,bankingbehavior,andcollateralsecurity.
• Evaluatepropertyandothersecurity-relateddocumentstoensurecompliancewithinternalpoliciesandregulatoryrequirements.
• Identify,assess,andmitigatepotentialcreditrisksbeforerecommendingproposals.

DueDiligence&Verification

• Ensureallcreditproposalsundergotherequiredduediligencechecks.
• Validatecustomerinformation,financialdocuments,bureaureports,andcollateraldetails.
• Monitoradherencetounderwritingstandardsandriskparameters.

StakeholderManagement

• CoordinatewithSalesandBusinessteamstoresolvecreditobservationsandriskconcerns.
• Provideguidancetosalesteamsonpolicyrequirementsanddocumentationgaps.
• Maintaineffectivecommunicationwithinternalstakeholderstoensuresmoothprocessingofcases.

Approval&Recommendation

• Prepareindependentcreditnotesandrecommendationsbasedonriskevaluation.
• RecommendproposalstoStateCreditManager,ZonalCreditManager,orNationalCreditManagerasperdelegationmatrix.
• Ensureallrecommendationsaresupportedbysoundcreditrationaleanddocumentedanalysis.

Portfolio&RiskMonitoring

• Monitorportfolioqualityandidentifyemergingrisktrendswithintheassignedarea.
• Highlightdeviations,exceptions,andhigh-riskexposurestoseniorcreditauthorities.
• Supportimplementationofriskmanagementinitiativesandpolicychanges.

Process&Compliance

• Ensurecreditdecisionscomplywithcompanypolicies,regulatoryguidelines,andauditrequirements.
• Maintainstipulatedturnaroundtimes(TAT)forcreditdecisions.
• Supportinternalandexternalauditsbyprovidingrequireddocumentationandjustifications.