To ensure smooth and institutionalized flow of the BIL & PIL proposals at all the branches across their region
To manage is responsible for analyzing the credit proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal.
To maintain stipulated TAT in credit appraisal process and co-ordinate with sales team for faster decisions to improvise TATs of the overall sanction process.
To manage a team of Credit Analysts who will carry out the due-diligence, analysis and recommend credit proposals for approval.
Key Challenges
To ensure timely availability of accurate data and information for exhaustive credit appraisals as each proposal has its respective structuring complexities as per the customer, product & regulatory requirements.
To ensure efficient TATs in highly competitive & dynamic market conditions
To ensure credit risk and customer risk are mitigated at all times
To facilitate seamless cross functional coordination for timely approval of credit proposals.
To ensure sticky accounts as well as pending documents are monitored and regularized on a regular basis
To ensure self and team are constantly updated on economic/ industry/ sectoral knowledge and trends
