3.0 - 8.0 years

3 - 8 Lacs

Noida, Uttar Pradesh, India

On-site

We are seeking a Branch Credit Manager to evaluate borrower creditworthiness and underwrite credit proposals for a branch. You will be responsible for managing the credit portfolio to optimize profitability and minimize risk, while ensuring compliance with all internal and regulatory guidelines. This role requires a professional who can build strong customer relationships, prepare and present credit reports to senior management, and lead a team if applicable. Roles & Responsibilities: Credit Assessment and Underwriting : Evaluate the creditworthiness of borrowers, analyze their financial and credit information, and make data-driven decisions within defined limits. Portfolio Management : Monitor the credit portfolio to manage risk, track borrower creditworthiness, identify early warning signals, and develop strategies to improve asset quality. Compliance & Risk Management : Ensure compliance with internal policies, lending guidelines, and all regulatory requirements. Implement and monitor credit risk policies and maintain accurate documentation. Customer Relationship Management : Build and maintain strong relationships with customers, handle inquiries, and collaborate with sales and operations teams. Reporting & Analysis : Prepare and present comprehensive credit reports and analyses to senior management. Team Leadership & Development : Lead and mentor a team, providing guidance and training on all credit-related matters (if applicable). Skills Required: Proven experience in credit assessment and underwriting . Strong analytical skills for evaluating borrower creditworthiness and financial information. Expertise in portfolio management , including risk mitigation and asset quality improvement. In-depth knowledge of lending guidelines, internal policies, and regulatory requirements. Excellent customer relationship management and communication skills. Experience in preparing and presenting credit reports. QUALIFICATION: Bachelor's or Master's degree in Finance, Accounting, or a related field, or equivalent experience.

Posted 1 day ago

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