Credit Manager - Semi Formal LAP

ROLEPURPOSE & OBJECTIVE

1. Expertknowledge of assessing credit risk for large ticket size cases upto Rs. 1 Cr.
2. Conductincome appraisal of MSME borrowers. In depth understanding andanalysis of P & L Account and Balance Sheet including cashflows of self-employed borrowers.
3. Assessfinancial ratios, in depth knowledge of rational behindcalculation of ratios and its impact on loan performance overlong tenures.
4. ProvideMarket intelligence from competition and customer??s standpoint
5. Recommendationson new processes & fraud Control initiative etc.

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Portfoliosize of Rs. 200-300 Cr

• 10-15vendors (legal, technical etc.)
• 1product (secured)
• 25-30files per month

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

1. Business/Financials (Only Relevant roles)

• Underwritingtarget customer by self and supervising the team to support forbuilding of a performing portfolio.
• Evaluatevarious collateral types for their value and title documentationrequirements
• Participatein collection of dues from customers to maintain low delinquency.
• EnsureCredit policy and process adherence by monitoring and timelyreview of processes and execution.
• SuggestPolicy revisions in line with changing market conditions.

1. Customer(Both Internal & External)

• Appraisevarious Customer segments in various for markets defined by thebank as area of operation for lending.
• Co-ordinatewith Legal & Technical Agencies for quality and timelydelivery of credit reports.
• Meetappropriate customers for understanding of their needs andConduct underwriting and renewals for cases under purview
• Co-ordinatewith functions like operations, FCU, risk, business andtechnology for effective delivery to end customers.
• Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies.

1. Internal Process

• Timeto time Intervention to manage ground level risk effectively.
• Fulladherence to RBI regulations on documentation and KYC compliance.
• LUCand periodic loan monitoring framework
• ProvideAudit Compliance.
• Timelyhiring of Credit Officer for the location as per the budget

1. Innovation& Learning

• Timelytraining to branches in the location.
• Maintainup to date knowledge of MSE and other related products.
• Upgradeself and team about changes happening in the market.
• Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives
• Performon time appraisal and suggest suitable career paths for staff

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• MBAin Finance from a reputed college (B.Com, M.Com with relevantexperience)

Experience

• Preferredexperience of 2/3 years or more in Credit MSME Loan products interm loans and working capital limits.

FunctionalSkills

• Knowledgeof Credit in MSME Loans including term loans and overdrafts
• Knowledgeof financial analysis & cash flow determination
• Evaluateand assess collateral security/collateral documentation adequatefor the lending
• BusinessAnalysis Skills
• CommunicationSkills.

BehavioralSkills

• TeamManagement Skills
• Leadership
• Possessesgood interpersonal skills

KEY INTERACTIONS

INTERNAL

EXTERNAL

RegionalCredit Manager, Area Credit Managers, Regional Business Managers,Area Managers, Product Managers, Credit Officers/CPA

Vendors& Consultants

• VigilanceManagers, Legal Managers, Audit Manager, Risk Managers, CollectionManager
• Customersand Community
• OperationsManager, IT Manager and Service Quality Manager
• Competitors& Other credit agencies
• RecruitmentManager, State HR, Payroll Manager,Branch Manager & Accounts Manager
• Auditors