HDB Financial Services - Branch Credit Manager

- Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.

- Verifying the promoter's track record & ascertaining their credit worthiness.

- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position

- To ensure Bounce Rate and Delinquency are within acceptable standards.

- Monitor and enforce approval rate and TAT as per prescribed standards.

- Monitor and ensure that monthly Branch audit score is satisfactory.

- Vendor Management.

- To conduct customer meeting to evaluate credit proposal

- PDD Tracking and closure

- Compliance to repayment instrument replenishment to ensure regular repayment of EMI