RC & WC - Underwriting:Area Credit Manager - SBB Credit

Role description

�         Manage a team of 2 to 5 Credit Managers � SBB

�         Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time & Approval Ratio as defined by the Bank

�         Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency

�         Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

�         Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio

�         Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

�         Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

�         Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme, compliance related matters, PSL classification etc

�         Give timely feedback to CO team of policy, RCM, ZCM, NCM & Head Credit on market developments, suggestions on improvement on Products, Policy and processes etc

�         Ensuring vendor management consisting of panel valuers, advocates, PD agencies etc

�         Ensuring periodic training to all stakeholders on products, policies and processes etc

Optimal qualification for success on the job is:

�         Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

�         Experience of over 4 to 8 years in assessing funding of various products to MSME segment & Self Employed Professional

For successful execution of the job, the candidate should possess:

�         Knowledge of credit, relevant industry and product trends

�         Knowledge of regulatory guidelines and norms

�         Good communication (both verbal and written) skill in both English and the local language

�         Ability to handle pressure and meet deadlines