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Ratnakar Bank Limited (RBL Bank) Recruitment 2016 – 01 Vacancy – Hub Credit Manager – Small Business banking – Any Graduate

Ratnakar Bank Limited (RBL Bank)  has issued a recruitment notification for the recruitment of  Channel Manager- Retail Assets Unsecured Business through recruitment notification –  Ratnakar Bank Limited (RBL Bank)  Recruitment 2016 –  Candidates who have completed   Any Graduate  can apply for the new recruitment notification from  Ratnakar Bank Limited (RBL Bank)

Eligible candidates can apply online for the  Hub Credit Manager – Small Business banking Job on or before 27/03/2016. Find more information about the vacancy like Age limit, Selection Process, Qualification, Application fee, How to apply etc can be found below.

Company Name
 :   Ratnakar Bank Limited (RBL Bank)
Vacancy Name :  Hub Credit Manager – Small Business banking
Educational Qualification : Any Graduate
Total No of Vacancy :  01 Post
Salary :  NA
Job Location : Hyderabad
Last Date to Apply for this job : 27/03/2016
Address for the Job Vacancy : Ratnakar Bank Limited (RBL Bank)  , Hyderabad .

Detail of Post:


Appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority.

Conduct personal discussion with customer/ client with intent to understand and analyse associated risks in the business and financial standing of the client.

Understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in.

Assess the income, ability, intention, business sustainability & credit behaviour and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.

Verify legal and technical reports and identify the risks or critical points impacting the proposal.

Analyse the audited/ certified financials as the case may be to assess the eligibility for the loan.

Prepare credit approval memo.

Manage the entire credit application process right from origin till disbursement.

Coordinate with legal, valuer and FI agency for processing the file.

Manage the overall TAT.

Ensure complete adherence to laid down policy and procedure/ process.

Liaise with sales team to proactively assess and resolve issues faced by client.

Prepare and maintain MIS covering all aspects process and proposal and circulate to authorities on timely basis.

Minimum 7 years of relevant experience and should be managing a team.
Candidate should have prior experience in assessing MSME proposals. (Candidates working with Viataar, Shriram City Union, M&M Finance etc would be preferred)

Candidate should have sound knowledge of business environment of the specific region

Should have some knowledge of mortgage and related matters. Should be able to articulate the legal and valuation reports

Should have sound CAM writing skills

Should have sound knowledge of financial statement analysis

Should be able to conduct personal discussions with client independently to understand complete business model and ascertain cash generating capacity and associated risks.

Should be conversant with word and excel.

Should have thorough understanding of KYC and related regulatory guidelines



Selection Procedure::

candidates can apply on or before 27/03/2016

No detailed information about the selection procedure is mentioned in the recruitment notification.

How to apply ?

Candidates should Apply Online. Last date of submission 27/03/2016.

Important dates to remember :

Last Date to Apply for this job 27/03/2016



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