Area Credit Manager - Large Corporate

Business Vertical: CSFD

Department: Large Corporate

Designation: Area Credit manager

Line of Business: Credit Proposed Immediate Superior (Designation): Regional Credit Manager Grade: M4

Key Objective of the Job:

- Credit analysis of proposal and preparation of credit notes.

- Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality.

- Meeting new customers and existing customers on regular basis

- Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures

- Ensure continuous monitoring for all high value exposures in the region.

Major Deliverables:

- Quality of Credit Underwriting

- Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc

- Portfolio Monitoring

- To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc

- To raise early warning signals for exit of stress accounts and take due measures for timely exit.

- To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Educational Qualification: Chartered Accountant OR MBA (Preferably Finance as Major subject)

Desired Experience: 4-5 years minimum in credit vertical (preferable for corporate lending).

Other desired attributes: Team coordination, Good Attitude and willingness to learn & impart trainings

Location: Kolkata