Branch Credit Manager - Prime LAP

Lead credit appraisal and underwriting for SME Loan Against Property (LAP) cases at the branch level

Analyze borrower financials, cash flows, banking behaviour, and repayment capacity

Assess property-related risks in coordination with technical and legal teams

Ensure adherence to internal credit policies, risk frameworks, and regulatory guidelines

Prepare and present credit proposals to approving authorities with clear risk assessment

Coordinate with sales, operations, legal, and technical teams for smooth processing and disbursal

Monitor portfolio quality and identify early warning signals to control delinquencies

Support audits, MIS reporting, and compliance requirements at the branch level