Branch Credit Manager

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 :

QUALIFICATION :

Skills Required

Portfolio Management, Customer Relationship Management, credit assessment, Risk Mitigation, Accounting