Area Credit Manager - Emerging Corporate - Credit Appraisal - Chennai - Centennial Square - M1 - M3

The key objective of the job is to conduct credit analysis of proposals and prepare credit notes. You will be responsible for facilitating faster deal closures by actively participating in deal structuring and credit enhancement while maintaining a balance between business growth and portfolio quality. It will be essential to meet new and existing customers regularly and monitor the portfolio to identify any signs of stress in accounts and take necessary corrective actions. Your primary responsibilities will include ensuring the quality of credit underwriting, monitoring the portfolio performance in terms of delinquencies, deferrals, annual reviews, and renewals. You will also be required to continuously monitor all high-value exposures in the region, develop market intelligence through interactions with competitors, business groups, and CA firms, and raise early warning signals for stressed accounts to enable timely exit strategies. Additionally, you will need to minimize audit queries, including those from RBI and statutory audits, and address them within the specified timelines. This role requires proactive participation in maintaining portfolio quality, identifying potential risks, and ensuring compliance with regulatory requirements.,