Principal Responsibilities

1. Credit Review & Completion of Loan Documents.

a) Support branches/PBs to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines
b) Independent desk review of loan files received from business for accuracy & completeness in line with the credit policy & procedures highlight discrepancies (if any) for rectifications removal before further processing
c) Participate in BCC for credit decisions and impart independent judgment on loan application(s) for approval/rejection/refer to ACC or HOCC
d) Maintenance of MIS of all loan applications received, processed, rejected
e) Identification & consolidation of reasons of rejection and onward sharing with stakeholders
f) Coordinate with branch management to improve loan rejection rate and adopt best practices.
g) Conduct post disbursement verifications (as applicable) on sample basis and consolidate findings for onward sharing with Branch Management & Area Credit Managers for rectification and enforcement

2. Pre-Approval Due Diligence/Verification of Borrowers.

a) To conduct pre-approval verification (physical or telephonically - as applicable) to assess the accuracy of information provided by the borrowers). Cross verify credit worthiness reputation and repayment capacity of the applicant(s). This includes verifying genuineness reliability and completeness of information on clan documents
b) Ensure existence of borrowers, their business (economic activity) through cross verification of Fiume & business addresses as per credit policy /procedures. Interact with applicants(s) and properly document the observation.
c) Ensure to assess customer's knowledge of the business and purpose of the loan usage verify and assess the credit history of the applicant w.r.t eCIB-SBP other credit bureau (as applicable) in line with Prudential Regulation Credit Policy Procedures
d) Assess whether borrowers know & understand key terms conditions r