Credit Manager- Commercial Vehicle & Construction Equipment

CHIEF RESPONSIBILITIES

Ensure quality Appraisal of credit for worthy borrowers.

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 / ACCOUNTABILITIES

Strategic / 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 : KEY INTERACTIONS

Key Internal Interactions Purpose of Interaction

Business Team

To interact with SM / ASM / RSM on day to day basis while cases assessment, monitoring delinquency

Policy Team

For clarification / guidelines as and when required

SECTION V : KNOWLEDGE & EXPERIENCE KNOWLEDGE

Minimum Qualifications

A CA / MBA from a reputed institute

Language Skills

Written and spoken English is essential

Years of Experience

Minimum of 2 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience

Credit Evaluation in any Bank & credit underwriting preferrable CV product

to changes, encouraging discussion, responding with empathy to their anxiety

Technical Competencies

Financial Analysis and Market knowledge of industry segment