Credit Manager

Credit Manager

Key Responsibilities

• Credit Appraisal & Underwriting

  : Conduct thorough

  credit appraisal

  for loan applications within defined guidelines. Based on the appraisal,

  take decisions or recommend for approval to higher authorities

  . Ensure

  underwriting cases

  meet the desired level of quality, enabling the achievement of Branch Business targets through proper training and guidance to relevant teams.

• Financial Assessment

  : Utilize performance history along with

  liquidity, debt/asset management, and profitability ratios to assess creditworthiness

  in loan evaluations.

• Portfolio Growth & Management

  : Actively monitor and ensure the healthy increase in

  Stock on Hire (SOH)

  volume of business (if applicable to the Credit Manager role).

• NPA Trend Analysis & Management

  :

  Analyze the NPA (Non-Performing Asset) trend

  based on area, industry, sector, and other relevant factors. Proactively

  interact with customers to understand their business

  and regularly

  monitor delinquencies/infants

  (loans less than 12 months NPA).

• Portfolio Quality Assurance

  : Ensure a

  qualitative portfolio

  by implementing strategies to prevent the occurrence of

  infant 12 months NPA

  .

Daily Tasks

• Loan File Accessing

  : Daily accessing of

  loan files

  for processing and review.

• Case Discussions

  : Conduct daily

  case discussions with the Sales team

  to align on strategies and requirements.

• Credit Underwriting Preparation

  : Prepare

  credit underwriting

  reports for all assigned cases.

• Customer Interaction

  : Conduct

  personal discussion calls with customers

  to assess financials & banking details.

• Decision Making

  : Make timely

  decision-making

  on cases within a predefined

  TAT (Turnaround Time)

  .

• Tele-verification

  : Conduct

  tele-verification calls to customers

  for due diligence.

Skills

• Expertise in

  Credit Appraisal

  and loan underwriting.
• Strong financial analysis skills, including assessing

  liquidity, debt/asset management, and profitability ratios

  .
• Proficiency in

  NPA trend analysis

  and delinquency monitoring.
• Ability to

  interact with customers and understand their business

  .
• Experience in

  managing and improving portfolio quality

  .
• Strong decision-making abilities with adherence to

  TAT

  .
• Excellent communication and interpersonal skills for client and team interactions.
• Proficiency in preparing

  credit underwriting

  documentation.
• Experience with

  tele-verification calls

  .

Qualifications

• Proven experience in

  credit appraisal

  and loan underwriting roles.
• Demonstrable experience in

  analyzing NPA trends

  and managing loan portfolios.
• Track record of achieving quality targets and contributing to business objectives.
• Ability to effectively interact with customers and cross-functional teams.