Credit Manager

Job Description

Role & responsibilities Evaluation of Proposals put up for recommendation /approval as per credit policy. Customer visit and discussions to assess the loan requirement. Customer business and income assessment. Understanding the business thoroughly for self-employed non-professional profiles. Ascertaining and Validating the revenue streams and expenditure of the business. Should be able to see through the potential risks of the proposal. Should have ability to do due diligence without sufficient and formal documents / data. Files Checking as per Credit Policy. Risk Analysis related to case & Client. Maintaining quality of credit information, underwriting standards and presentation. Preferred candidate profile Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME/Mortgages) Understanding of local business and micro economy Keen understanding and focus on risk, controls, compliance and regulatory framework Strong analytical & communication skills (written & verbal) Preferably CA/ ICWA/ MBA Finance / PG - Commerce)