Credit Manager - Business Loans

You will be responsible for underwriting and managing the portfolio in the assigned branch/location. This will involve reviewing and assessing a broad range of complex loan applications within defined guidelines. Based on your assessment, you will need to make decisions or recommend them for approval to higher authorities. It is essential to underwrite proposals as per the laid-down policies and procedures to honor the agreed Service Level Agreements (SLAs) and manage city/area business volumes effectively. Personal discussions with customers are crucial to establish their creditworthiness. You will be required to ensure the completion of credit/KYC documents and conduct verifications through telephonic conversations, field visits, and collateral inspections. Having a deep understanding of income to obligation ratios is essential. You should be knowledgeable about the rationale behind the calculation of ratios and understand their impact on loan performance during the tenure. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operational MIS of the cluster will be part of your responsibilities. Regularly reporting on these MIS is important for monitoring and decision-making purposes. Building and leveraging effective relationships with third parties is key to achieving the best outcomes for clients. Taking ownership of client queries and using your industry knowledge and experience to overcome challenges and solve problems will be expected. You should aim to exceed service quality standards and continuously strive for process improvement. Critical review of credit proposals is essential to identify industry, business, financial, management, and facility structure risks. This information is crucial for the approving authority to make informed credit decisions. Ensuring collateral and other credit risk mitigation measures are in place is necessary to facilitate credit approvals. Quick turnaround time of credit lending proposals is vital for business success. Therefore, close coordination with the sales team is required. Ongoing review of credit exposures is necessary to ensure continued bankability. Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness, and taking steps for risk mitigation are critical tasks. Adherence to legal and documentation norms and policies is a must. Managing the credit underwriting function of the branch and ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team are also part of your responsibilities. Ideally, you should have a Post Graduate or Graduate degree in any discipline to excel in this role.,