Credit Manager-Wholesale Banking

Job Requirements

Role/ Job Title: Credit Manager - Wholesale Banking

Function/ Department: Wholesale Banking Risk

Job Purpose

Roles & Responsibilities

• Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions.
• Research and evaluate clients creditworthiness through financial analysis, site visits, and stakeholder discussions.
• Collaborate with business, legal, compliance, and portfolio analytics teams to assess credit requests and make informed decisions.
• Approve or reject loan applications based on risk assessment and potential revenue/loss impact.
• Negotiate loan terms with clients, ensuring alignment with bank policies and risk appetite.
• Review and update credit policies and risk acceptance criteria to reflect changes in regulatory requirements and business strategy.
• Partner with credit systems support teams to implement key credit policy criteria in relevant credit acceptance and evaluation systems.
  

Education Qualification

• Graduation: Any Graduation (preferably in Finance, Commerce, or Economics)
• Post-graduation: MBA/PGDM in Finance or related field (preferred)
• Professional Qualification/Certification: Chartered Accountant (CA) or equivalent (preferred)
  

Experience

• Minimum 5 to 10 years of relevant experience in credit risk assessment, preferably in wholesale banking.