Chief Manager - Credit Appraisal - Commercial Banking

Job Title : Credit Manager

Designation : Chief Manager

Reporting To : Director - Risk

Grade : Chief Manager

BU : Risk

EU : Banking

Function : Commercial Banking

Sub Function :

- SME /MSME (small and mid corporate with turnover upto 250 cr) & Mid-Markets(mid corporate with turnover over 300 cr+)

Minimum Experience : 4 yrs

Maximum Experience : 6 yrs

Location : Chennai/Ahmedabad/Delhi

Qualification : MBA / CA

Job Description :

- Meet market constituent ie customers, financiers and do evaluation of the market and customers fairly and diligently in line with the approved credit policy.

- Perform credit and reference checks.

- Meet customers prior to credit approval. Mandatory credit visits would be defined based on exposure / industry which shall be adhered to prior to customer approval .

- Credit Approval of deals as per authorized limits and given TAT; recommends and forwards to appropriate authority in case of higher limit / deviation/deferral.

- Enforcement and adherence of the company credit policy at the branch level.

- Review and approval of credit files as per policy

- Regional risk reviews once in a quarter

Review portfolio on a monthly level with respect to delinquency/losses/fraud of the portfolio underwritten for the following :

- Bucket wise delinquency is under triggers

- NCL within budgeted figures

- Customers TOD level within acceptable norms

- Non starter at minimum level

- Ensures timely renewal of Credit approvals ensuring satisfactory turn around time.

- Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.

- Adheres to customer calling plan as per EW process

- Meets principals, other financiers regularly for market updates