Credit Manager for Machinery loans will be responsible for underwriting loan applications, managing credit policies, and ensuring the quality of the loan portfolio. This role requires a thorough understanding of loan origination and management systems, as well as a keen eye for detail in financial analysis and industry trends. Specific Responsibilities: Underwriting: Evaluate and underwrite MEF loan cases to ensure compliance with the company’s credit policies and risk appetite. System Utilization: Make optimal use of the Loan Origination System (LOS) and Loan Management System (LMS) to streamline the credit process and enhance efficiency. Credit Turnaround Time (TAT): Maintain and improve credit TAT to ensure timely loan approvals. Policy Adherence: Manage credit underwriting processes in strict adherence to the company’s policies and guidelines. Delinquency & NPA Monitoring: Monitor delinquency rates and Non-Performing Assets (NPA) to keep them within budgeted levels. Credit Cost Management: Ensure credit costs are managed within the approved budgets. Policy Feedback: Provide feedback to the Credit Policy team based on underwriting experience to improve credit policies and procedures. Data Analysis & Reporting: Perform data slicing, analysis, and publish relevant reports to support decision-making. Post Disbursement Document (PDD) Monitoring: Ensure all PDDs are collected and monitored effectively. Industry Analysis: Conduct thorough industry analysis to stay updated on trends and risks affecting the MEF and SFP loan segments. Key Performance Indicators (KPIs): Turnaround Time (TAT) Portfolio Quality Quality of Appraisal Cost Management Implementation of Processes Experience: Minimum 3-5 years of experience in Credit Underwriting (Machinery) Technical Competencies: Positive, pro-business attitude Excellent analytical skills Strong communication and presentation skills In-depth product knowledge Ability to understand asset types and their viability Proficiency in reading and understanding legal and technical reports and valuations related to financed properties Personal Attributes: Excellent presentation skills Strong communication skills High level of analytical ability Sincere and dedicated Effective liaising skills Mandatory Education Qualification: Graduate / Post Graduate Show more Show less