State credit manager - vijayawada

Role & responsibilities :
- Good understanding of credit policy and underwriting regarding Business Loans and LAP book
- Evaluating credit proposals covering financial, business, market risk & decision of the loan
- Appraising borrowers financial, business and credit track record to assess the credit worthiness
- Analysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity position
- Strong knowledge about local geography and socio-economic strata of the branch sales state.
- Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal risk
- To assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actions
- Understanding the customers requirements and ensuring quick service delivery
- Hold high responsibility for implementation of h...