- Visit leads identified by RM/Branch; Conduct personal discussion; Evaluate business and management related risk.
- Carry our customer due diligence in consultation with RM/CH using the GO/NO GO criteria.
- Conduct financial statement analysis including Ratio analysis and Cash flow analysis.
- Conduct Credit Rating of the borrower and the facilities extended.
- Review the industry performance through external research reports.
- Review property valuation reports and ensure compliance to valuation guidelines.
- Compute Credit limits and RAROC for loan applications.
- Verification of MCA site in case of Corporates to ensure the veracity of Balance Sheets submitted.
- Submit credit proposals to the appropriate sanctioning authority for sanction.
- Liaise with CCH/NCH/RCH for timely sanction of the proposal; obtain sanction within specified turnaround times.
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