ABFL|Credit Manager|STUL|Dehradun

4) Key Result Areas: Writethe key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)

Key Result Areas

Supporting Actions

Accountability

Supporting Actions

To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels
• To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms
• To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer.
• To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance
• To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated.
• To submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision.
• Ensuring no loss of revenue – by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case
• To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans.Ensuring proper BIL/PL/STSL/STUL is created in favour of ABFL. Ensuring the underlying security BIL/PL/STSL/STUL is marketable and having a clear title.

To monitor the existing portfolios based on designed formats and parameters
• To monitor the BIL/PL/STSL/STUL portfolio performance by continual analysis of changes in fundamentals & reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector
• To monitor the overdue position and take appropriate steps to support the recovery process for the same.
• Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents.
• Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals.
• To maintain network with other financial institutions and able to take independent local industry references for customers if required

To adhere to compliance policies in proposal evaluation
• To ensure that each proposal complies with credit policies; internal & external norms of lending
• To be involved in continual revision of credit norms by giving requisite inputs to the management
• To support development of new credit policies and evaluation norms

To ensure compliance with robust documentation mechanism
• To maintain thorough documentation process for effective tracking of proposal documents and TAT monitoring

To prepare regular MIS for areas under risk management and give presentation to various stakeholders
• To prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle & send them to the