Credit Manager- Credit Underwriter
CurrentAnalyzed financial statements and credit history to better understand how much risk could be involved in extending credit to customers. Credit understanding, follow credit policy and compliance. Product handled PL, BL secured and unsecured both, Managing a team across operation management & Credit and profit center as per prescribed TAT with a keen eye on quality and dissemination of information & updates. Conducting meetings for setting up objectives, streamlining processes to ensure smooth functioning of operations. CAM preparation, Business and house PD, Risk assessment. Having delegation and approval authority of up to 10 lacs. Reviewing current processes to eliminate redundancies to define process scope and mapping it to training, quality and service excellence. Implement strategies for enhancing market share of the branch with retail asset product (PL, BL LAP) Query resolutions of disbursement files within TAT. Audit Query Resolution and maintain TAT. CIBIL and high mark generation, upload and generation of sanction letter of secured and unsecured loans.