Conducted risk assessments and implemented safety measures to ensure a hazard-free workplace.Monitored compliance with health and safety regulations and company policies.Provided safety training and awareness sessions for workers and site personnel.Investigated accidents, incidents, and near-misses, recommending preventive actions.Ensured proper use of personal protective equipment (PPE) and adherence to safety protocols.Coordinated emergency response drills and first aid measures.Maintained safety records and prepared reports for management review.

1. Loan Portfolio & Asset Quality ManagementSupervise and monitor the banks loan portfolio to ensure high asset quality.Identify high-risk loans and develop action plans to mitigate defaults.Ensure timely loan repayments and minimize delinquencies.2. Team Leadership & SupervisionLead and guide the asset quality team in assessing and managing loan risks.Train loan officers and asset specialists on risk assessment and recovery strategies.Set performance targets for the team and ensure compliance with policies.3. Risk Management & ComplianceDevelop strategies to reduce Non-Performing Loans (NPLs) and improve portfolio health.Ensure all loans comply with internal credit policies and regulatory guidelines.Conduct risk assessments and advise management on asset quality improvements.4. Loan Recovery & CollectionsOversee the collection and recovery of overdue loans.Work with borrowers to restructure loans when necessary.Collaborate with legal teams on loan recovery through legal actions if required.5. Reporting & AnalysisPrepare detailed reports on asset quality, loan performance, and risk factors.Present findings to senior management and recommend corrective actions.Maintain proper documentation for audit and regulatory reviews.6. Stakeholder CoordinationWork closely with credit risk, compliance, and audit teams to strengthen lending practices.

1. Loan Portfolio Monitoring & AnalysisRegularly review the loan portfolio to assess asset quality.Identify early warning signs of potential loan defaults.Analyze trends in loan performance and recommend corrective actions.2. Risk Assessment & MitigationEvaluate high-risk loans and suggest strategies to reduce Non-Performing Loans (NPLs).Ensure compliance with credit policies and regulatory guidelines.Work with credit officers to strengthen risk assessment before loan disbursement.3. Loan Recovery & RestructuringDevelop strategies for recovering overdue loans.Work with delinquent borrowers to restructure loans when necessary.Coordinate with legal teams for recovery through legal actions when required.4. Compliance & ReportingPrepare asset quality reports for senior management and regulatory authorities.Ensure loan classifications and provisions align with regulatory requirements.Maintain records of loan write-offs and recoveries.5. Training & Support for Loan OfficersGuide MSME loan officers on risk assessment and portfolio management.Train staff on best practices to improve loan quality and reduce default rates.6. Coordination with Internal & External StakeholdersWork closely with credit risk, audit, and operations teams to improve lending practices.Liaise with external auditors and regulators during asset quality reviews.

Assess loan applications from MSME clients.Conduct financial analysis, including income assessment and creditworthiness.Verify business documents, bank statements, and financial records.Recommend loan approvals or rejections based on risk assessment.2. Client Relationship ManagementIdentify potential MSME clients and promote loan products.Guide customers on loan eligibility, terms, and repayment schedules.Build long-term relationships with business owners to ensure repeat borrowing.3. Risk Assessment & MitigationConduct due diligence to minimize default risks.Evaluate the market conditions and business risks for each borrower.Monitor loan repayments and take action on delinquent accounts.4. Field Visits & Business VerificationConduct on-site visits to assess the actual business operations.Verify collateral, inventory, and financial stability of the borrower.5. Loan Recovery & Portfolio ManagementMonitor the loan portfolio to ensure timely repayments.Coordinate with recovery teams to follow up on overdue payments.Maintain a low Non-Performing Loan (NPL) ratio.6. Compliance & ReportingEnsure adherence to bank policies and regulatory guidelines.Maintain proper documentation and submit reports to managem