Senior Credit Manager-Working Capital-Credit

Credit Appraisal 

         Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities 

         Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training 

         Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation 

Stock on Hire: Increase in volume of business 

         Ensure that SOH increases(pl confirm if this applies to CM role ) 

NPA trend 

         Analyze the NPA trend like area, industry, sector etc. 

         Interact with Customers & understand the business and regularly monitor delinquencies / infants. 

Infant loan which is less than 12 months NPA 

         Ensure qualitative portfolio 

         Ensure that there is no infant 12 months NPA