To provide credit support to the Credit Approvers in implementing the policy and strategy agreed for SME segment for northern region.
To assist the Credit Approvers in establishing credit controls and procedures for SME branches in northern region and also help the Business Lines grow, such that the business runs seamlessly, within target NPL.
To actively evaluate lending proposals for IBG 4 customers of northern region including financial position assessment, industry position and position of the corporate, and hold promoter meeting, whenever possible.
Approve judiciously as and when DOA is granted.
Review of credit proposals originating from northern region to highlight info gaps, key risk issues not adequately addressed.
Portfolio monitoring / tracking & escalation of adverse new events in company / industry.
Keeping track of delinquency levels in portfolio and ensuring that requisite follow up is being done with front end /borrower, wherever needed to ensure that overdues are regularised in a time bound manner.
Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines for the Enterprise Banking segment.
Ensure compliance with the benchmark Turnaround Time.
