Analysis of quality proposals
- To analyse the proposal as per the standard parameters
- Analyse Management Risk, Industry Risk, Business Risk and Financial Risk of the proposal
- Adhere to the credit policy guidelines
- Understand proposals by way of trade references, banker reference checks and other surrogates.
- Capture the strength and weakness with proper mitigants
- Responsible for maintaining check on allocated portfolio & provide regular alerts to Relationship Team & Management
Timely processing of credit proposals
- Timely preparation of proposals highlighting strength and weakness in the proposal
- Personal discussion with customers to understand business, cash flows, purpose of loan, etc and resolution of credit concerns.
- Timely submission of proposals to Risk Team
- Coordination with sales & risk team members to ensure timely approval of proposals.
Renewal / Enhancement of existing facility
- Sending timely and advance intimation to sales team for proposals due for review and renewals
- Timely preparation of review / renewal proposals.
- To ensure the fulfilment of the condition stipulated at the time of sanction
- Timely submission of review / renewal proposals to Risk Team and coordination with them for completion of timely reviews / renewals
