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 u...