Functional Designation :Credit Manager
Business Unit :
Commercial Banking
Locations :
Mumbai
Job Summary :
Credit Underwriting – Emerging Corporate
Detailed
Responsibilities •Evaluating the financial health of
the borrower, analysing financial statements, and assessing credit worthiness
based on established criteria and policies
• Identifying, assessing and mitigating potential
credit risk.
• Building and maintaining strong relationships with
internal stakeholders, including sales teams, and other departments to
facilitate smooth loan origination and management.
• Tracking the performance of the loan portfolio,
identifying potential problem accounts and implementing corrective actions.
• Collaborating with Sales teams to structure loan
products that meet the specific needs of Emerging Corporate clients while
managing credit risk.
• Ensuring proper documentation for all credit related
activities and maintaining audit-ready records.
• Conducting personal discussion with the promoters at
their office. Visiting manufacturing facilities and properties offered as
collateral security.
• Conducting timely review/ renewal of Credit
facilities.
• To coordinate with CROPS to ensure that the sanction
terms are appropriately incorporated in the sanction letter.
• Ensure that all underwriting processes and decisions
comply with internal policies, regulatory requirements, industry practice, and
legal requirements.
Qualification :
MBA/ CA
Experience :
Minimum 2 years experienced in SME underwriting or related field
Desired skills and competencies :
• Strong knowledge of local market, relevant banking
regulations and compliance requirements
• Experience in assessing credit risk, identifying
potential rial risk and implementing mitigation strategies
• Understanding of working capital, term loans and
other relevant financing products
• Ability to analyse financial statements, cashflow
projections, financial ratios and other relevant financial data.
• Strong communication skills both written and verbal
Apply through whichever channel suits you best.