Prepare credit facility applications that meet dfcu bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees.
Provide credit structuring support (guidelines and valuable suggestions) to the business units to enable the bank meet client needs in a timely manner.
Consistent, periodic monitoring of credit exposures to minimize None Performing Assets (NPAs).
Maintenance of credit files and ensuring that credit related records are properly documented.
Perform industry studies and conducts financial analysis of sector customers using credit review skills and financial expertise to support productive sales performance credit scoring.
Evaluate and acquire a good understanding of the risk associated with individual transactions, products and borrowers.
Advise RMs on the quality of the portfolio by analysing the ratios of their customers, portfolio at risk, accounts in arrears.
Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
Timely resolution of customer issues that require analysis of their accounts.
Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures.
Timely submission of required documents to credit and legal teams to have fast turnaround time.
Compliance to internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
Support the business teams to engage Credit Documentation for the issuance of Offer Letters to clients in a timely manner.