Credit Manager - BL, LAP & Machinery and Wholesale Underwriting

Role & responsibilities

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authori es.
• Under write proposals as per the laid down policies & procedure.
• Conduct personal discussion with customers to establish credit worthiness and ensure comple on of credit/KYC documents and verifica on- telephonic, field & collateral visits.
• Assess income to obliga on ra os, in depth knowledge of ra onal behind calcula on of ra os and its impact on loan performance during the loan tenure.
• Maintain Por olio MIS, Delinquency MIS and other opera ons related MIS of the cluster and regularly repor ng the same.
• Build and facilitate the best outcomes for clients by building and leveraging effec ve rela onships.
• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• Exceed service quality standards and strive for continuous process improvement.
• Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
• Ensure collateral and other credit risk mi ga on to facilitate the approving authority to take decision on the credit proposal.
• Enable quick turnaround me of credit lending proposals for the business in close liaison with the sales team.
• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mi ga on, whenever required, while ensuring adherence to legal & documentation norms & policies
• Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Preferred candidate profile

• CA/CFA or MBA in Finance.
• Experience as a Credit Manager in LAP or Business Loans or Working Capital in Bank / NBFC.
• Experience in End-to-End processing of loan proposals