State credit manager - mp

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 high standards of underwriting and internal controls in the branch in order to safeguard the assets and data
Overseeing Operational risk & support functions including PDD, collections data and foreclosures requests
Monitor for checks on Frauds and Early Delinquencies; conduct regular branch audit
Regular monitoring of portfolio and collateral management
Monitor and enforce approval rate and TAT as per prescribed standards
Execution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit function
Basic Analytics and MIS reporting to various stakeholders on regular basis at branch level
Implement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unit
To initiate suitable process changes to reduce risk and improve overall efficiency
Team & Vendor Management mentor and train them for proper delegation of work and maintaining credit standards
Has to travel locally daily to do PD, make customer and vendor visits