Credit Appraisal Underwriting of SME SCF files as analyzing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparing Credit Approval Memo (CAM). Meeting with applicants (PD) to obtain information for loan applications and analyzing the financial situation of the client through business place visits. Ensuring maintenance of TAT for SME proposals at an acceptable level. Managing overall credit and risk functions for the areas/locations assigned to him/her. Handling the complete Credit & Backend process at branch level and train the resources regarding Credit, Operations and Sales documentation part. Hiring of credit resources as per manpower budgeting, attrition management and performance management. To ensure audit compliance and regulatory compliance for his location/area To take reference checks for prospective borrowers from market links and existing lenders Coordinating for training programs for credit/sales team, imparting induction training for their subordinates.