Credit Manager

Role & responsibilities

• Evaluation of Proposals put up for recommendation /approval as per credit policy.
• Customer visit and discussions to assess the loan requirement.
• Customer business and income assessment.
• Understanding the business thoroughly for self-employed non-professional profiles.
• Ascertaining and Validating the revenue streams and expenditure of the business.
• Should be able to see through the potential risks of the proposal.
• Should have ability to do due diligence without sufficient and formal documents / data.
• Files Checking as per Credit Policy.
• Risk Analysis related to case & Client.
• Maintaining quality of credit information, underwriting standards and presentation.

Preferred candidate profile

• Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME/Mortgages)
• Understanding of local business and micro economy
• Keen understanding and focus on risk, controls, compliance and regulatory framework
• Strong analytical & communication skills (written & verbal)
• Preferably CA/ ICWA/ MBA Finance / PG - Commerce)