Credit Mgr-CTG

Job Description
• A.
• Due Diligence To check all critical fields in application form and DDE sheet which has a bearing on dedupe.
• To ensure data quality is in line with policy guidelines.
• To check veracity of information through image uploaded vis-vis data captured.
• To ensure all dedupe checks (Bureau, Possidex, MDR, CRILC, Probe 42 etc.
• ) are done and output is evaluated in line with the policy of the bank before decision making.
• To check all vendor reports (CPV report.
• Valuation report, Legal report, Asset Verification report etc.
• ) are in line with the scope of work of the vendor and covers critical / required information, for which the vendor has been appointed.
• To use internal score card / credit assessment tools to appropriately underwrite loan proposals within the policy guidelines and capture necessary deviations wherever required.
• B.
• Portfolio Quality To meet rolled out target for Non-starter and EMR C.
• Underwriting & Process efficiency To ensure underwriting TAT is met as per rolled out target.
• To meet productivity norms by underwriting files allocated.
• To avoid unwanted rework, increase FTAR, capture right pending / reject reasons, reduce RAL (without additional docs/info) and adhere to all other instructions given by the management from time to time.
• D.
• Audit To ensure adherence to both internal and external audit guidelines.
• To ensure CAD is not breached.
• To ensure e attendance is marked immediately after booting the system and log out before leaving office for the day.
• To ensure User ID & Password is not shared with anyone in line with ISG policy of the Bank.
• To ensure all relevant support is extended to the auditors for a smooth closure and the report is satisfactory.

Skills
• Basic Aptitude
• Understand and Reading Financial Statement
• Understanding of Agricultural nuances are an added advantage
• Interpersonal Skills
• Good Communication Skills
• Ability to negotiate