Typical job responsibilities include:
Evaluating loan applications for retail, MSME, and corporate customers.
Analyzing borrowers' financial statements, cash flows, creditworthiness, and repayment capacity.
Conducting credit risk assessment and ensuring compliance with RBI and SBI credit policies.
Preparing credit appraisal notes and recommending sanction or rejection of loan proposals.
Coordinating with branch teams, legal, valuation, and technical officers for loan processing.
Managing customer relationships and providing guidance on banking and credit products.
Monitoring loan accounts after disbursement and identifying early warning signs of stress.
Ensuring timely documentation, regulatory compliance, and audit readiness.