Area Credit Manager - Bhadrak

Credit Assessment & Underwriting

• Review Retail Secured loan applications and assess borrower creditworthiness.
• Conduct detailed analysis of customer profiles, income, repayment capacity, banking behavior, and collateral security.
• Evaluate property and other security-related documents to ensure compliance with internal policies and regulatory requirements.
• Identify, assess, and mitigate potential credit risks before recommending proposals.

Due Diligence & Verification

• Ensure all credit proposals undergo the required due diligence checks.
• Validate customer information, financial documents, bureau reports, and collateral details.
• Monitor adherence to underwriting standards and risk parameters.

Stakeholder Management

• Coordinate with Sales and Business teams to resolve credit observations and risk concerns.
• Provide guidance to sales teams on policy requirements and documentation gaps.
• Maintain effective communication with internal stakeholders to ensure smooth processing of cases.

Approval & Recommendation

• Prepare independent credit notes and recommendations based on risk evaluation.
• Recommend proposals to State Credit Manager, Zonal Credit Manager, or National Credit Manager as per delegation matrix.
• Ensure all recommendations are supported by sound credit rationale and documented analysis.

Portfolio & Risk Monitoring

• Monitor portfolio quality and identify emerging risk trends within the assigned area.
• Highlight deviations, exceptions, and high-risk exposures to senior credit authorities.
• Support implementation of risk management initiatives and policy changes.

Process & Compliance

• Ensure credit decisions comply with company policies, regulatory guidelines, and audit requirements.
• Maintain stipulated turnaround times (TAT) for credit decisions.
• Support internal and external audits by providing required documentation and justifications.