Sachin Kumar

Branch Credit Manager @Adi Chitragupta Finance Limited

Patna, IN

Key Responsibilities:1.*Credit Assessment:*- Evaluate loan applications to determine creditworthiness- Analyze financial statements, credit scores, and repayment capacity- Ensure compliance with lending policies and regulatory guidelines.2.*Secured Loans:*-*Collateral Evaluation:* Assess the value and marketability of collateral (e.g.property, assets)-*Loan-to-Value Ratio:* Ensure the loan amount is within acceptable limits relative to the collateral-*Risk Mitigation:* Monitor collateral coverage and take necessary actions to protect the bank’s interest.3.*Unsecured Loans:*-*Creditworthiness Focus:* Rely heavily on the borrower’s credit score, income,and repayment history-*Higher Risk Management:* Implement stricter approval criteria and monitor delinquency closely-*Portfolio Management:* Regularly review the unsecured loan portfolio to identify trends and mitigate risks.4.*Loan Approval and Disbursal:*- Approve or decline loan applications based on credit assessments- Ensure all documentation is complete and compliant before disbursal- Maintain records of approved and rejected applications for audit purposes.5.*Risk Management:*- Identify early signs of default and take proactive measures (e.g, restructuring loans).6.*Compliance and Reporting:*- Ensure all credit activities comply with regulatory guidelines- Prepare and submit reports on loan performance, credit risk, and portfolio health.

Mlsm college darbhanga

Bachelor of Science

Cm science college darbhanga

M. Sc