Credit Management of Secured loans (LAP)
1. Responsible for end to end credit processing including fresh sanctions, renewals etc.
2. The incumbent will be responsible for underwriting LAP proposal as per the laid down policies & procedure.
3. To conduct personal discussion with customers to establish Credit worthiness.
4. The incumbent will ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
5. Preparing and Maintaining MIS’s on Credit requirements like - Sanction Limit, client Net worth etc.
6. Responsible for Preparation of Policies & Processes and regular updates with approvals under leader guidance
7. Responsible for Audit queries.
8. The incumbent will prepare Credit Appraisal Memo (CAM).
9. To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
10. To ensure credit policy adherence to the accepted standards.
To control and contain front-end delinquencies by calling up customer on first presentation.
