Credit Manager - SME

Role : Credit Manager

Department : SME

Reporting Relationships : Vice President - Credit

Position Grade : Depends

Job Role:

- Preparation of Credit Appraisal notes for SME.

- Ticket Size Handled would be up to 1 to 100 CR.

- Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.

- As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.

- To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.

- Manage and ensure timely renewal of accounts and enhancement of portfolio

- To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.

- Team Handling 3 - 4 people

- Discuss with business on Terms and Conditions for risk assessments

- Discuss with customers for obtention of information for preparation of CRANs.

- Monitor the accounts based on the terms stipulated by Sanctioning Authority.

- Prepare Monthly/Quarterly Monitoring Reports for the portfolio.

- Escalate with action plan for non compliances.

- Visit the units and submit inspection reports.

- Manage and address any escalations related to risk assessments

Job Requirements:

- Excellent written and oral communication skills

- Chartered Accountant/ MBA.

- Good analytical skills

- Good understanding of all the working capital products