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