Credit Manager

We are seeking a highly analytical and experienced Credit Manager to join our client's team through Acme Services . This pivotal role is responsible for comprehensive credit appraisal , underwriting loan applications, and ensuring the qualitative health of the loan portfolio. The ideal candidate will possess strong financial analysis skills, a keen understanding of NPA trends, and the ability to make timely credit decisions while maintaining excellent customer and team interactions.

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

Skills

Qualifications

Skills Required

Credit Appraisal, NPA Assets, Credit Underwriting, Portfolio Management, Quality Assurance