The Role
The role involves credit appraisal, financial analysis, risk assessment, supervising loan accounts, and ensuring compliance with policies. It also includes training business teams on credit practices.
Summary Generated by Built In
- Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
- Ensure Adherence to Approved process, policies and manuals of the department, Ensure RBI and internal compliance matrixes are adhered to
- Appraising proposals for CV / CE and conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies.
- Supervising, controlling delinquency and credit loss.
- Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of reports.
- Fulfilling the credit training needs of the entire business team on a continued & timely basis Requirement In-depth knowledge of - Financial & Credit Risk analysis.
- Maintaining credit TAT
- Any other credit related activities assigned by HOD credit.
Qualifications: CA/ MBA Finance
Experience: 5 - 12 years
Skills Required
- CA or MBA Finance degree
- 5 to 12 years of experience in credit management
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The Company
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
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