Area Credit Manager (Machinery Loan)

Job Description:

Responsibilities :

• Support and co-partner with business teams to manage end-to-end credit approval for the designated region
• Underwrite cases and present them to senior level
• Authorize deviations raised and documented by underwriters in compliance with credit policy.
• Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
• Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, and full documentation attainment at the branch level.
• Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high-value cases.
• Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/non-process-related delays.
• Coordinate with the recoveries team and generate business insights.
• Lead a team of credit approvers to ensure portfolio quality and delinquencies.
• Engage in the development, implementation, review, and monitoring of various credit programs and provide training and coaching to continuously upgrade the competency of the team and improving upon the processing efficiency of the HUB
• Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.
• Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.