Branch Credit Manager - EIL

Job Requirements

Role/ Job Title: Branch Credit Manager – Education Infrastructure Loans

Function/ Department: Retail Banking

Job Purpose

The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy.

Roles & Responsibilities

• Candidate would be required to underwrite SENP Loan against property proposals > Rs. 1.00 Crore
• Would also be required to underwrite proposal for School / College infrastructure funding starting from Rs. 1.00 Crore onwards.
• Capability to assess and do Personal Discussion Individually for case up to Rs. 2 Crore.
• Capability to co-relate PD experience into overall decision making considering Micro and Macroeconomic factor.
• Ability to understand Bank Statements, Financials, Ratios, working knowledge of various credit checks portals for better validations of proposals.
• Understanding of proposal in its totality w.r.t. Riks involved and mitigants in hand for better decision making.
• Should be having good local market knowledge.
• Ability to assess business with cash component and minimum books reflection.
• Ability to liaison with external stakeholders like – Legal Vendors, Technical Vendors, FI FCU vendors.
• Good drafting skills along with moderate understanding of Legal and Technical challenges.
• Ready to travel outstations for PD’s and Visits.
• Hand on experience into Excel, working knowledge of Financial Software’s like – Finnone, SFDC etc would be additional advantage.
  
  

Education Qualification

Graduation: Any Graduate

Experience: 2 to 5 years of relevant experience in Credit