Managed and supervised the Credit teams across the branches through proper training and guidance while implementing and maintaining the credit policy in line with business plans.
Ensured credit processing standards remain in compliance with the bank’s credit policy. Liaison with the reporting functions to reduce/minimize the error rates.
Overall manage of entire credit portfolio of branches and portfolio analysis.
Managed and supervised the approvals, rejections and exceptions of credit cases. Managed and supervised the quality assurance specialist (Loans and payments), reporting functions.
Managed implementation of procedures & processes relating to products, systems and regulatory changes and gathered feedback from field on a regular basis to improve efficiencies in banking processes and procedures.
Responsible for supervision & periodic review of Branch Credit Operations SOPs, ensured implementation and compliance with internal policy procedures & regulatory guidelines relating to banking Policy.
Responsible for overall progress and use of resources and initiating corrective action where necessary.
Address issues in credit assessment identified through supervisory, internal / external reviews.
Review/Monitoring of portfolio quality of assigned Branches to meet service standards and establish feedback loop with Branches and Head Office to identify the reasons of default including portfolio frauds (if any) in a timely manner.
Training needs assessment and guiding/ coaching team members on a regular basis to address their areas of improvement.

Managed and supervised the Credit teams across the branches through
proper training and guidance while implementing and maintaining the
credit policy in line with business plans.

Ensured credit processing standards remain in compliance with the bank’s credit policy. Liaison with the reporting functions to reduce/minimize the
error rates.

Overall manage of entire credit portfolio of branches and portfolio
analysis.

Managed and supervised the approvals, rejections and exceptions of
credit cases. Managed and supervised the quality assurance specialist(Loans and payments), reporting functions.

Managed implementation of procedures & processes relating to products, systems and regulatory changes and gathered feedback from field on a
regular basis to improve efficiencies in banking processes and procedures.

Responsible for supervision & periodic review of Branch Credit Operations SOPs, ensured implementation and compliance with internal policy
procedures & regulatory guidelines relating to banking Policy.

Responsible for overall progress and use of resources and initiating
corrective action where necessary.

Address issues in credit assessment identified through supervisory, internal/ external reviews.

Review/Monitoring of portfolio quality of assigned Branches to meet service
standards and establish feedback loop with Branches and Head Office to identify the reasons of default including portfolio frauds (if any) in a timely manner.

Training needs assessment and guiding/ coaching team members on a
regular basis to address their areas of improvement

Supervise and manage the team of Verification Officers and ensure their independence at branches.
Address issues in credit assessment identified through supervisory reviews, internal / external reviews.
Review/Monitoring of portfolio quality (NPL) of assigned branches to meet service standards and establish feedback loop with branches and Head Office to identify the reasons of default including portfolio frauds (if any) in a timely manner.
Assure credit policy & procedural changes are implemented in branches by VOs/BMs.
Gauges market trends.
Monitors and adheres to collateral compliance covenants.
Ensures that all loans are made in adherence with Bank policy & procedures.
Analyzes data to verify information and uncover fraud.
Helps to update and improve credit rating criteria.
Analyzing existing and potential loans.
Routinely monitor loans for compliance.
Report any unusual activity at branches to Credit & Risk Department.
Communicates credit decisions and policies to own domain.

Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Support the detection of suspicious application by the daily monitoring of applicant records screen for fraud, to ensure that up to date information relating to fraudulent and potentially fraudulent application is accurately maintained, and that providers are kept informed.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans.
Obtain and compile copies of loan applicants\' credit histories, corporate financial statements, and other financial information.
Ensure the loan was utilized for the purpose it was taken off.
Responsible to ensure accuracy of data input made in credit MIS from sources documents related to cash flow & loan Applications.
To identify any severe nature non-compliance during verification.
Ensuring the existence of borrowers and guarantor & their businesses (economic activity) through verification of home & business addresses etc. and interacting with applicants/guarantors.

Prepare and verify Loan documentation (agreements, legal documents and insurance policy) in accordance to credit approval and related regulations.
Ensure all loan documentation are systematically filed and manage the expiry date and effectiveness of all documentation.
Review daily system credit monitoring and management reports and identify non-performing Loan with irregularities and proactively follow-up to ensure corrective action taken in line with credit policy.
Update both internal and external policy governing Credit Administration activities.
Ensured proactive management of credit loan portfolio and related Community Organization (CO)/group documentation to achieve qualitative excellence in line with business plans.
Monitor all irregularities, past dues, documentation deficiencies, etc., and report to Senior Management. 

Meet with loan applicants to identify their needs and collect information for loan applications.
Analyze active loan files on a regular basis and recommend solutions to speed up the loan process.
Complete loan contracts and teach clients on policies and regulations.
Interview applicants to define financial eligibility and establish debt payment plans.
Monitor and update account records.
Submit loan applications in a timely manner.
Prepare detailed loan proposals.
Reject loan applications and explain deficiencies to applicants.
Respond to applicants\' questions and resolve any loan-related issues.
Analyzed the internal controls of an organization.
Operate in compliance with Rules and regulations.
Recovery Management.