Designation : Area Credit Head
Job Description :
- Credit manager with credit sanctioning / recommending authority, responsible for analysis and credit underwriting of loans per EFS Policy Manual to micro, small & Medium Enterprises (MSMEs), in the designated markets.
- Has accountability for the credit quality of the EFS loans underwritten and portfolio, including the due diligence, of the portfolio included in their markets.
- Accountable for ensuring accurate and appropriate analysis of applicant's credentials as per EFS Policy Manual.
- A team Manager of credit underwriters reporting to him, in delivering quality service to both internal and external clients, within TAT standards, besides evaluating their performance as per Organisation's goals/guidelines.
- To Administer and analyses the risks in the portfolio and proactively suggests steps to minimize those risks.
- Take pro-active Initiative to address delinquencies and to reduce the chances of accounts going into a non-performing status.
- Responsible for primary liaisoning with the internal Audit team, on all financial accounts and compliance matters for the locations assigned to him.
- Works constructively with his/her Regional/Zonal Heads - Products to design new, customer-friendly product and service solutions as to gain market share and increase financial inclusion of the urban unbanked entrepreneurs
- Prepares and monitors system related MIS and data updating for the requirement of the administration of the loans as per the EFS Loan Policy Manual and processes.
- Is the first person verifying the post disbursement documentation completion and compliance of all conditions including the sanction conditions stipulated on deals for all the location.
- Post Disbursement Monitoring: Preparation of end use certificate; preparing Qly. Visit schedule of all eligible a/cs in the branch/zone and submitting it to competent authority to decide and approve visits/allotment of personnel for such visits, etc.
- Ensure complete Qly. Visit as per guidelines and report findings to the competent authority for decision/instructions/orders.
- Any other job/responsibility entrusted by the competent authority from time to time including credit related personal discussion, unit visit, background verification, credit appraisal, etc.
- MBA is Mandatory
- CA Preferred
- Exposure in Secured & Unsecured Loan - Personal Loan, Business Loan, Loan Against Property.
- Have a thorough knowledge of credit-related laws
Didn’t find the job appropriate? Report this Job
Download the iimjobs app to
apply for jobs anywhere, anytime
Download on
App Store
Get it on
Google Play
Scan to Download