RC & WC - Underwriting : Regional Credit Manager - SBB Credit

RC & WC - Underwriting : Regional Credit Manager - SBB Credit

INTERNAL USAGE : No. of Vacancies :

Reports to :

Zonal Credit Manager SBB

Is a Team leader

Team Size : 15-20

Grade : Sr Manager / AVP

Business : Corporate Center

Department : Retail Credit

Sub - Department : SBB Credit

Location :

About Wholesale Credit

The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes

About the Role

The Regional Credit Manager SBB Credit manages the credit activities and processes for loan applications of Small Business Banking customers under Retail Credit for the Region assigned to him. The Regional Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank.

Key Responsibilities

Manage a team of 15 to 20 CPC Area Credit Managers SBB Credit and Further Credit Managers SBB, who report to such ACMs

Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time & Approval Ratio as defined by the Bank

Underwriting / review of Credit Proposals including Review / Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency

Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio

Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions

Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy / scheme, compliance related matters, PSL classification etc

Give timely feedback to CO team of policy, ZCM, NCM & Head Credit on market developments, suggestions on improvement on Products, Policy and processes etc

Ensuring vendor management consisting of panel valuers, advocates, PD agencies etc

Ensuring periodic training to all stakeholders on products, policies and processes etc

Qualifications

Optimal qualification for success on the job is :

Graduation / Post- Graduation (MBA / CA preferred) from a recognized institute

Experience of over 6 to 8 years in assessing funding of various products to MSME segment & Self Employed Professional

Role Proficiencies :

For successful execution of the job, the candidate should possess :

Knowledge of credit, relevant industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Ability to handle pressure and meet deadlines

Skills Required

Credit Underwriting, Vendor Management, Credit Appraisal, Market Intelligence