Branch Credit Manager SMFG India Credit Company Limited

About SMFG India Credit Company Limited

Job Description

Business & Financial Management:

• To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others
• To appraise or underwrite Business Loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority
• To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client.
• To assess the income, ability, intention, business sustainability & credit behavior and verify it through income documents & reference checks and various credit bureau checks.
• To verify legal and technical reports and identify the risks or critical points impacting the proposal.
• To analyze the audited / certified financials as the case may be to assess the eligibility for the loan and prepare Credit Approval Memo
• To manage the entire credit assessment process right from the origin till activation.

Customer Focus:

• Managing the overall decisioning TAT to have an excellent customer experience.
• To ensure complete adherence to laid down policy and procedure / process
• Liaise with sales team to proactively assess and resolve issues faced by client.
• Structure the right product to the customer during customer interactions

Process / Quality Improvement:

• Manage credit quality and control delinquencies, frauds Understand credit policy as well as credit environment in the city / branch
• Structure the right product to the customer during customer interactions
• TAT on closure of cases
• Process discipline demonstrated by satisfactory audit reviews
• To prepare and maintain MIS covering all aspects of the credit process and proposal and circulate to authorities on timely basis.