Credit Manager - Medium Enterprises Yes Bank

2.0 - 7.0 years

5 - 11 Lacs

Moradabad

Work from Office

SECTION I: Job Title Credit Manager Grade Manager or Senior Manager ROLE SUMMARY Ensure quality Appraisal of credit for Medium enterprises for Assets products majorly all working capital products, turnover upto 100cr and minimum ticket size is between 5cr and 25cr. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team. Core Responsibilities Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: Minimum Qualifications A CA/ MBA from a reputed institute Professional Certifications Language Skills Written and spoken English is essential Years of Experience: Minimum of 2 years of work experience in credit evaluation in a Bank or NBFC. SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORS Product Knowledge Understanding Banking product , policies , loans. To be conversant with SME Loan Products Professional Entrepreneurship Should have proactive and constructive approach towards work Displays solution oriented and initiatives. Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership Competencies Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety TECHNICAL COMPETENCIES Financial Analysis and Market knowledge of industry segment.

Posted 1 week ago

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Relationship Manager- Medium Enterprises- Ludhiana / Amritsar V Konnect

5.0 - 10.0 years

10 - 15 Lacs

Ludhiana, Amritsar

Work from Office

Role & responsibilities Acquisition of Newto–Bank MSME relationships through the CRM and Knowledge Banking approach. Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall help in meeting MSME Clients on daily basis. Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering various Trade and Transaction products like Cash Management Services, Trade and Treasury Products. Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of the client Meeting the Targets - Both in respect of bottom line as well as top line by constantly enhancing the Productivity. Preferred candidate profile

Posted 2 weeks ago

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