2022 Credit Manager

Job Description

The incumbent is responsible for credit underwriting of customers across individual, business banking, and rural ecosystems with a focus on 360-degree Banking. Through superior service, delivery, and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360-degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments.

Responsibilities

• Undertake a comprehensive 360 Banking assessment of customers and offer the right Banking solutions
• Undertake a thorough and comprehensive single-window credit assessment process, which can serve as the enabler to offering the right loan products to customers
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting a credit assessment
• Keep a focus on creating a high-quality portfolio
• Manage the complete life-cycle of the loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies, and regulations and identify the impact on credit portfolio and decision
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants, and other critical process and compliance checks

Requirements

• Experience in credit underwriting, credit appraisal, finance, risk, the audit will be preferred
• Should have an analytical bend of mind
• Basic knowledge of financing and financial statement 
• Collaborative and orientation to work in cross-functional teams
• Should have an orientation to learn
• Conceptual understanding of risk and risk mitigation strategies 
• Basic Orientation for business and analytical acumen
• Basic understanding of financial analysis, balance sheet, and profit and loss accounts
• Ability to assess the impact of policies, rules, and regulations on portfolio
• Strong communication (both oral and written) and negotiation skills
• Attention to detail 
• Exposure to analytics would be an added advantage
• Ability to articulate own point of view