Credit Manager-Rural Credit-Business Banking Underwriting

Job Requirements

Primary Responsibilities

• Credit appraisal of loan applications within defined guidelines and decision-making or recommending for approval to higher authorities.
• Provide clear opinions and highlight critical risks with suitable mitigants regarding proposed transactions, covering business model, industry risk, structure, bank conduct, and financial risk.
• Ensure awareness of the proposed product and its suitability to client requirements.
• Conduct personal discussions with customers to establish creditworthiness.
• Timely renewal of credit facilities and management of deferrals.
• Early warning signal (EWS) management and customer visits for key and high-value relationships.
• Maintain defined credit and end-to-end turnaround times (TATs) to ensure timely service to internal and external customers.
  

• Coordinate with counterparts in Business, Operations, Legal, Technical, and other relevant departments.
• Ensure timely submission of all credit-related MIS reports.
• Maintain area knowledge to support credit decisions.
  

• Graduation: Any discipline.
• Post-graduation: MBA or Professional Qualification/Certification: Chartered Accountant (CA) preferred.
  

Experience

• Minimum of 6 years of relevant experience in credit underwriting and portfolio management.
  

• Strong analytical and credit appraisal skills.
• Excellent communication and interpersonal skills.
• Ability to manage multiple stakeholders and coordinate across departments.
• Attention to detail and adherence to regulatory guidelines.
• Customer-centric approach and problem-solving mindset.