Ensuring adherence to credit processes leading to proper assessment of proposals within acceptable risk parameters and pre-specified TATConducting healthy discussion with the other stakeholder/vendors, for faster decision and smooth functioning, rework minimization and keeping the productivity at optimum levels.Managing team and training new joiners for front end credit processes on competitive TATs including managing proposal flow in terms of client visit, recommendation, sanction and disbursement and Stock Audit completions.Ensuring the incremental portfolio build up without diluting the credit quality.Keeping the early delinquency, watchlist and exit account in control, NPA minimization, & adhering to all necessary underwriting standards per the credit policy along with identification of the current industrial trends, effects of the economic factors.Summarizing the risks and mitigates of EWS accounts, Pot NPA or low behavior score band accounts on an ongoing basis in terms of low churning, non-adherence to covenants, regular TODs, month end overdrawing and documenting the aspects & coordinating with the monitoring team to either resolve or mark it an exit account.Liasoning and coordinating with cross functional teams to have ongoing focus on the portfolio quality regarding timely credit decisions, complying credit processes, early identification of exit/weak accounts, strategizing smooth exit for these accounts,Generating synergies between Bank policies and market requirements and minimizing the probability of risk involved in business transactions thereby improving profitability.Discussion and providing best possible solutions, taking decisions in the interest of business on issues/concerns faced by the team at the location without deviating on policies and processes laid out.MIS Analysis and circulation in order to monitor TAT and review improvements with the team and ensure optimum productivity, analyze the portfolio for delinquency, slippages etc.

Analysis of prospective customer’s financials, credit appraisal and credit risk underwriting Analysis of various financial ratios like D/E Ratio, DSCR, Current Ratio, net-worth of customer/companyStructuring customer requirement with reference to business customer carrying in.Interacting with clients to understand the viability of their projects in terms of project scale progress and financials.Preparing and recommending detailed loan proposal of customers of various industry upto the ticket size of Rs. 100 Crores, standalone and group exposure while considering past track record, credibility of customers, business set up, analysis of financial statements etc.Carrying out background research on the project, the client credit history, its regional market, highlighting any negative reports to ensure the quality of lending portfolio.Working around tools used by the bank for updating and verification of customer details, financial statements for final disbursement and future reference.Delinquency Management and Management of post-disbursement docs in area of mortgagesConducting internal rating of the companies during appraisal.MIS preparation and publishing for the day to day logged in, processed sanctioned and disbursed cases and rejected cases.Co-coordinating with sales team and clients for smooth processing of cases.Attending audit queries and compliance of the measures to avoid recurrence.Liasoning with sales team, sales associates, credit processing associates for processing of files within stipulated TAT.Approving authority for proposals upto 50 Lacs

Accountable for conducting thorough credit investigations and appraising loan proposals by detailed financial and non-financial analysis of credit information provided.Providing credit information and references for customers, loan officers or other agencies as requested.Working in co-ordination with borrower and sales team ascertain credit worthiness of the borrower and ensuring compliance with extant bank guidelines and circulars.Delivering best services to the NRI and PIO customers, intending to purchase properties in India and seeking loans, within the time frame provided.Making and managing credit proposals of various branches of Bangalore like Home Loans, Mortgage Loans, Auto finance, personal loans and credit card issuance.Assessing and preparing credit proposals for Cash Credit Facility & term loans (Secured loans upto 10 crores and Unsecured loans upto 1 crore under CGTMSE scheme), Overdraft facility (ticket size of 1 crore to 10 crores) for small firms/companies, time to time upon requirement from the branches.Conducting risk analysis and scrutinizing relevant documents before sanctioning disbursing loans ensuring compliance with credit policies.Carrying out the critical analysis of balance sheet involving ratio analysis and financial worthiness.Carrying out due-diligence and inspection of the security offered, to ensure the creditworthiness of the customer and security of the finance.Following up of the post sanction formalities like sanction and creation of mortgage to ensure the maintenance of prescribed turn-around-time.