Credit Manager-SME & Business Banking

Job Requirements

About the Role

The Credit Manager is responsible for managing a team and coordinating with the sales team to achieve the assigned area targets. This role involves direct interaction with customers to assess their creditworthiness, ensuring completion of verifications, and adhering to the company's credit policy. The Credit Manager must balance sales support with risk aversion, contributing to the broader organizational objectives of the bank.

Key Responsibilities

Primary Responsibilities

• Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and manage business volumes.
• Supervise a team of credit underwriters and provide necessary guidelines.
• Conduct personal discussions with customers to assess creditworthiness.
• Control and reduce front-end delinquencies by contacting customers upon first presentation.
• Ensure completion of credit and KYC documentation, including telephonic, field, and collateral verifications.
• Coordinate with the sales team to achieve targets and ensure SLA compliance.
• Ensure adherence to credit policies and standards.

Secondary Responsibilities

What We Are Looking For

Education

Experience

Skills and Attributes

Skills Required

Analytical Skills, Credit Underwriting