Area Credit Manager-CEQ-Credit Appraisal- Bhubaneshwar

Main Accountabilities

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
• Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
• Meet customers (retail & strategic) at regular intervals to understand various industry & markets
• Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers 
• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• Working on projects/process improvements from time To time
• Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
• Identify the automation opportunities in existing processes, new product development
• Quality of Credit Underwriting
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• Active involvement in customer visit 
• Regular MIS on market intelligence