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
