Credit recommending and sanctioning authority, responsible for analysis of loans as per the Policy Manual.
Accountable for the credit quality of the loan underwritten and portfolio, including the due diligence, of the portfolio included in their markets.
Ensuring accurate and appropriate analysis of applicant's credentials, including financial analysis & various associated financial ratios for credit decision, as per the Policy Manual.
Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority.
Preparing and monitoring system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual.
Being the first person verifying the post disbursement documentation completion and compliance of all conditions including the sanction terms and conditions stipulated on deals.
Visits to outstation branches/units as per the instructions of the competent authority in relation to the matters connected with Credit Appraisal/PD/Sanction matters.