Area Credit Manager-Commercial Vehicle

As an Area Credit Manager-Commercial Vehicle in the Retail Banking sector, you will be responsible for underwriting secured and unsecured loan proposals. Your primary role will involve ensuring that loan applications are processed in adherence to policies and procedures to meet service level agreements and manage business volumes efficiently. You will lead a team of credit underwriters, providing them with necessary guidelines to perform their duties effectively. Additionally, a key aspect of your job will be conducting personal discussions with customers to evaluate their creditworthiness. You will also be required to proactively manage delinquencies by contacting customers upon first presentation and ensuring the completion of credit, KYC documents, and necessary verifications through telephonic, field, and collateral visits. Collaboration with the sales team will be essential to achieve targets and maintain service level agreements. You will need to ensure strict adherence to credit policies and recommend process improvements to enhance operational efficiency and customer service quality in the assigned area. In addition to your primary responsibilities, proficiency in MS Word, Excel, and PowerPoint is required. You should possess a strong work ethic, delivering results within tight deadlines and demanding situations. The role may involve extensive fieldwork and travel across regions at short notice. You should also be prepared to undertake ad-hoc activities as per departmental requirements. Overall, this role offers an opportunity to contribute to driving operational efficiencies, maintaining high-quality service standards, and supporting the Retail Banking business in achieving its objectives.,