Credit Manager
Published date: 2024/01/10
- Location: New Delhi, Delhi, India
Designation / Position:ÂCredit Manager
Job Location(s): Across India
Work Experience
Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience Or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.
Credit Manager Job description.
Credit Manager
Job profiles and competency/skill requirement
The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a 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.
Primary job duties/responsibilities
• Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions
• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer 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 credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of 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 decisioning
• 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
Job Location(s): Across India
Work Experience
Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience Or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.
Credit Manager Job description.
Credit Manager
Job profiles and competency/skill requirement
The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a 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.
Primary job duties/responsibilities
• Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions
• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer 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 credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of 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 decisioning
• 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
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