Branch Credit Manager

Job Description As a **Branch Credit Manager**, your primary role is to oversee credit underwriting, risk assessment, and loan approvals at the branch level. You will ensure compliance with the company's credit policies and maintain a high-quality loan portfolio. Collaboration with sales, operations, and risk teams is essential to drive sustainable credit growth while minimizing risk exposure. **Key Responsibilities:** - Evaluate loan applications through financial analysis, credit scoring models, and risk assessment frameworks. - Adhere to internal credit policies and regulatory guidelines while sanctioning loans. - Conduct detailed credit analysis of borrowers, including income assessment, repayment capacity, and financial history. - Monitor loan portfolio health by analyzing repayment trends, early warning signals, and delinquency rates. - Maintain Portfolio at Risk (PAR) and Non-Performing Assets (NPA) within acceptable limits. - Sanction loans within approval limits and recommend higher-value loan cases to senior management. - Ensure timely loan approvals with thorough due diligence and collaborate with risk teams to enhance credit assessment frameworks. - Ensure compliance with internal policies, RBI guidelines, and other regulatory norms for all credit approvals. - Work closely with branch sales teams to enhance loan sourcing quality and reduce rejections due to inadequate documentation. - Train branch staff on credit policies, risk assessment, and fraud prevention techniques. - Conduct field visits for high-value loans or suspicious cases to verify borrower credentials. - Collaborate with business teams to optimize credit offerings and minimize risk. - Work with collection teams to ensure timely loan recoveries and reduce delinquency. - Engage with customers when necessary to provide clarity on loan approvals and rejections. **Qualifications & Experience:** - **Education:** Bachelor's/Masters degree in Finance, Accounting, Economics, or related field. MBA/CA preferred. - **Experience:** Minimum of 2 years in credit underwriting, risk assessment, or loan approvals, preferably in BFSI/MFI/NBFC sectors. **Additional Details:** The ideal candidate should possess a strong understanding of credit risk assessment and financial analysis, proficiency in loan origination systems and financial software, excellent decision-making, analytical, and problem-solving skills, as well as strong communication and stakeholder management abilities. As a **Branch Credit Manager**, your primary role is to oversee credit underwriting, risk assessment, and loan approvals at the branch level. You will ensure compliance with the company's credit policies and maintain a high-quality loan portfolio. Collaboration with sales, operations, and risk teams is essential to drive sustainable credit growth while minimizing risk exposure. **Key Responsibilities:** - Evaluate loan applications through financial analysis, credit scoring models, and risk assessment frameworks. - Adhere to internal credit policies and regulatory guidelines while sanctioning loans. - Conduct detailed credit analysis of borrowers, including income assessment, repayment capacity, and financial history. - Monitor loan portfolio health by analyzing repayment trends, early warning signals, and delinquency rates. - Maintain Portfolio at Risk (PAR) and Non-Performing Assets (NPA) within acceptable limits. - Sanction loans within approval limits and recommend higher-value loan cases to senior management. - Ensure timely loan approvals with thorough due diligence and collaborate with risk teams to enhance credit assessment frameworks. - Ensure compliance with internal policies, RBI guidelines, and other regulatory norms for all credit approvals. - Work closely with branch sales teams to enhance loan sourcing quality and reduce rejections due to inadequate documentation. - Train branch staff on credit policies, risk assessment, and fraud prevention techniques. - Conduct field visits for high-value loans or suspicious cases to verify borrower credentials. - Collaborate with business teams to optimize credit offerings and minimize risk. - Work with collection teams to ensure timely loan recoveries and reduce delinquency. - Engage with customers when necessary to provide clarity on loan approvals and rejections. **Qualifications & Experience:** - **Education:** Bachelor's/Masters degree in Finance, Accounting, Economics, or related field. MBA/CA preferred. - **Experience:** Minimum of 2 years in credit underwriting, risk assessment, or loan approvals, preferably in BFSI/MFI/NBFC sectors. **Additional Details:** The ideal candidate should possess a strong understanding of credit risk assessment and financial analysis, proficiency in loan origination systems and financial software, excellent decision-making, analytical, and problem-solving skills, as well as strong communication and stakeholder management abilities.