Credit Manager - Business Loans Finance - CA - Bank

Job Role:

As part of Credit team for Business Loans Finance, the primary job of the credit manager is to understand:

- the business dynamics,

- products on offer,

- various segments to whom we lend

- ensuring discipline in adherence to processes involved in credit buying

- Underwriting & making proposals of business loans and other products as per location requirement(LAP-TL, OD, Commercial purchase)

- manage the credit processing agent's activities

- ensure systematic verification processes and coordinate with verification agencies

- be up to date on industries we lend and business environment in general

- take appropriate credit decision,

- monitor the portfolio sourced,

- understand and interpret the portfolio quality

- interact with sourcing agents

- co-ordinate with internal and external auditors

Job Requirements:

Excellent written and oral communication skills

Qualification - CA with relevant underwriting experience

Job Knowledge :

- Good understanding of economy and implications of economic policies,

- dynamics of international economic events on Indian economy, industry and segments,

- understanding of functioning various industries / segments - cost matrix, competitors, laws applicable o good understanding of financials to arrive at a decision on lending and recover ability of loans granted.

Salary offered: 8 - 10 LPA