Credit Manager - Bank

Assistant Credit Manager

Work Location: Worli, Mumbai/Ahmedabad

Responsibilities:

- Candidate would be responsible for appraising & assessing risks for loan under the consumer-focused Loan.

- The incumbent will be responsible for underwriting personal loan proposal as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.

- To conduct personal discussion with customers to establish Credit worthiness.

- Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence. (for renewal & new borrowers)

- To prepare Credit Appraisal Memo (CAM).

- Responsible for Credit Assessment.

- To coordinate with sales to achieve targets and ensure TAT or SLAs are met.

- Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvals

Qualification & Experience Required:

- Graduate/MBA with at least 2 to 4 years' relevant experience in Credit Underwriting for Salaried

- Personal Loan Product of Banks, NBFCs.

- Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement.

- Credit underwriting work experience within retail lending with any large NBFC or Bank.

- Ideal candidate should understand the credit risk of consumer-focused loan and SME segment lending.

- Prospective candidate should have hands-on experience on how to review, assess and underwrite secured and unsecured loans with focus in personal loanunderwriting.

Office Timing & Working Days: 9:30 AM to 6:30 PM (can be stretched depending upon workload)- Monday to Saturday