Job Title: Branch Credit Manager (BCM) Role Overview The Branch Credit Manager (BCM) is responsible for evaluating and underwriting secured business loan proposals, primarily Loan Against Property (LAP), while ensuring compliance with internal credit policies and regulatory guidelines. The role involves independent assessment of borrower repayment capacity, property valuation review, risk identification, and recommendation of quality credit proposals to support profitable portfolio growth. Key Responsibilities 1. Credit Appraisal & Underwriting Assess loan applications for eligibility, repayment capacity, and overall creditworthiness. Analyse financial statements, bank statements, GST returns, income documents, and business cash flows. Evaluate borrower profile, business stability, and repayment behaviour. Conduct detailed credit risk assessment and prepare credit recommendation notes. 2. Property & Collateral Assessment Review legal, technical, and valuation reports for proposed colla...