Area Credit Manager - Credit Appraisal and Portfolio Management

Area Credit Manager-CEQ-Credit Appraisal- Bhubaneshwar Main Accountabilities Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources) Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team Meet customers (retail & strategic) at regular intervals to understand various industry & markets Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels Working on projects/process improvements from time To time Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health Identify the automation opportunities in existing processes, new product development Quality of Credit Underwriting Raise early warning signals for exit of stress accounts and take due measures for timely exit Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines Active involvement in customer visit Regular MIS on market intelligence