The primary responsibility is to solicit new business i.e. addition of quality names to build up sound asset base with focus on segments as identified/defined from time to time with consistent performance.
Job requires to analyze financial statements and assets in the preparation of credit packages and prepare credit proposal (fresh booking, yearly renewals, enhancements) of credit facilities in a timely manner and utilize the available information in processing comprehensive credit proposals for consideration & approval by the concerned authorities.
In addition, it is required to develop existing portfolio with a view to enhance earnings / improve Return On Assets and promote cross-selling of products and services.
The job requires to gather & analyze credit information of current and potential borrowers and determine the advisability of granting credit for diversified types of loans.
It must be ensured that there are no discrepancies in documentation of various customer accounts as pointed out by CAD and that credit files are properly kept and are updated with latest record regularly.
It is important to keep an eye on transactions/ financial conditions/ operations of allocated customers & report any anomalies that may affect bank’s risk in future.
Effective Communication & Interpersonal Skills, Extrovert Personality, Team Player, High Energy.
Applicants without experience, shortlisted according to the mentioned eligibility criteria, will be required to appear in an aptitude test followed by panel interviews.