Aadithyan S
Branch Credit Manager at Kissht
- Role
- Branch Credit Manager at Kissht
- Location
- Vellore, IN
- LinkedIn followers
- 500 followers
About Aadithyan S
A highly organized and self-motivated individual. I have done my MBA (Marketing) from…
Experience
Branch Credit Manager
Feb 2025 — Present · Krishnagiri, IN
Key Responsibilities:1) Credit Evaluation & Risk Assessment- Assessing and analyzing loan applications from customers to determine their creditworthiness- Conducting thorough background checks, financial assessments, and reviewing past credit history- Ensuring that loan proposals align with the company\'s credit policies and guidelines.2) Loan Processing & Approval- Overseeing the end-to-end process of credit and loan approvals, ensuring timely and accurate processing- Approving or rejecting loan applications based on established credit criteria- Monitoring loan repayment patterns and managing delinquency- Communicating with customers to resolve credit-related issues or disputes.3) Documentation- Maintaining accurate and complete documentation for all credit transactions and loan approvals- Preparing regular reports on credit activities and risk assessments- Followups with legal and technical vendors for case to case regularly.4) Portfolio Management- Managing the overall credit portfolio of the branch to ensure optimal performance and minimal risk- Analyzing and monitoring the branch\'s loan portfolio to identify trends, opportunities, and risks.5) Credit Risk Management- Mitigating potential risks associated with loan default by enforcing risk management strategies- Regularly reviewing credit limits and re-assessing the financial standing of borrowers- Reporting potential risks to the senior management and suggesting corrective actions.
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