Credit Manager

Company Name- Bank

Department -SME

Location- Delhi

Reporting Relationships -Vice President – Credit

Position Grade -Depends

Job Role:

• Preparation of Credit Appraisal notes for SME.

• Ticket Size Handled would be up to 1 to 100 CR.

• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.

• As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.

• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.

• Manage and ensure timely renewal of accounts and enhancement of portfolio

• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.

• Team Handling 3 – 4 people

• Discuss with business on Terms and Conditions for risk assessments

• Discuss with customers for obtention of information for preparation of CRANs.

• Monitor the accounts based on the terms stipulated by Sanctioning Authority.

• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.

• Escalate with action plan for non compliances.

• Visit the units and submit inspection reports.

• Manage and address any escalations related to risk assessments

Job Requirements:

• Excellent written and oral communication skills

• Chartered Accountant/ MBA.

• Good analytical skills

• Good understanding of all the working capital products