Area Credit Manager CV and CE Loan Hyderabad

Job Description:

Credit Assessment

• Appraise/Underwrite the loans within defined policy guidelines and accordingly take decisions or recommend to appropriate authority.
• Assess the income, ability, intention and credit behaviour of the applicant and verify documents and reference checks, bureau checks, along with the customer due diligence
• Understanding the nature of business of the applicant(s), assessing the risk associated and ascertaining the revenue stream
• Evaluate all the credit risk parameters and implement measures to mitigate the same
• Prepare the credit approval memo and manage the overall TAT and approval rate. Credit Monitoring
• Ensure strict adherence to the laid down policy and process
• Ensure portfolio quality and periodic structured reviews of the portfolio
• Periodic monitoring of Exception approvals/Reject analysis and inference.
• Stakeholder Management – Business /Risk/Accounts/Collections
• Ensure Credit Quality and maintain the Credit Cost under control