• To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms

• To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer.

• To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance

• To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated.

• To submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision.

• Ensuring no loss of revenue – by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case

• To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans.Ensuring proper BIL/PL/STSL/STUL is created in favour of ABFL. Ensuring the underlying security BIL/PL/STSL/STUL is marketable and having a clear title.

• To monitor the BIL/PL/STSL/STUL portfolio performance by continual analysis of changes in fundamentals & reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector

• To monitor the overdue position and take appropriate steps to support the recovery process for the same.

• Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents.
• Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals.
• To maintain network with other financial institutions and able to take independent local industry references for customers if required

• To ensure that each proposal complies with credit policies; internal & external norms of lending

• To be involved in continual revision of credit norms by giving requisite inputs to the management

• To support development of new credit policies and evaluation norms

• Ensuring that end to end processes are followed as per the SOPs as defined for BIL/PL/STSL/STUL at the local assessment level

• Ensuring proper distributor network is being followed – to avoid future fraud’s

• Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction.

• Proper capturing of data in the requisite system to ensure proper MIS generation for business decisions

• Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects.
• Handling customer escalations and complaints during and post disbursements – replies to mailers, correspondences with co-ordination with the legal team

Vendor Management

• Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies.

• Managing TAT with various vendors – a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight

• Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association.