Branch Credit Manager - Lucknow

• Credit Appraisal – Underwriting/recommending of proposals for non-collateral/collateral backed education loan
• Training- Provide training to CPA's
• Delinquency Management for the location
• Vendor / Cost management – managing the outsource agencies and ensure TAT is maintained by these agencies
• PDD Management – controlling and tracking PDDs through proper MIS for the location
• Quality Management in terms of Audit, Compliance and Hind sighting
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Roles & Responsibilities Specific Responsibilities :

• Credit Appraisal – Underwriting/recommending of proposals for non collateral/collateral backed education loan.
• Process – Understanding process and policies and implementing the same to ensure smooth transactions.
• Training- Provide training to CPA's so that they work in synergy with the companies policies and norms
• Delinquency Management for the location
• Vendor / Cost management – managing the outsource agencies and ensure TAT is maintained by these agencies.
• Quality Management in terms of Audit, Compliance and Hindsighting
• PDD Management – controlling and tracking PDDs through proper
• MIS for the location

Technical Competencies / Skills :

• Basic knowledge of loan underwriting
• Knowledge of Mortgage Lending Business- awareness on risk involved wrt to title of property
• Should be able to conduct personal discussions with clients ( self employed) independently and arrive at cash flow analysis.
• Good communication and report writing skills
• Basic knowledge of Banking Good Knowledge of computer applications