Credit Manager - Wholesale Lending

Description:

Role & responsibilities

Job Title: Credit Manager Mid & Large Corporate

Role Objective

The Credit Manager will be responsible for the end-to-end credit underwriting and risk assessment of a diverse portfolio including Mid-Market enterprises and Large Corporates. The role involves analyzing complex financial structures, evaluating creditworthiness, and ensuring a balanced risk-reward ratio while supporting the business growth of the Corporate Banking division.

Key Responsibilities

1. Credit Underwriting & Analysis

- Conduct comprehensive credit appraisals of new and existing corporate clients.

- Analyze audited financial statements, cash flow projections, and business models to assess repayment capacity.

- Prepare detailed Credit Approval Memorandums (CAMs) for submission to credit committees.

- Evaluate sector-specific risks, industry trends, and the competitive positioning of corporate borrowers.

2. Portfolio Management & Monitoring

- Conduct periodic reviews of the assigned portfolio to identify early warning signals (EWS).

- Monitor compliance with financial covenants and terms of sanction.

- Track industry-specific developments that may impact client credit profiles.

- Oversee the annual renewal process for credit facilities.

3. Risk Mitigation & Structuring

- Structure credit facilities (Working Capital, Term Loans, Project Finance, Non-Fund Based limits) to mitigate identified risks.

- Assess collateral adequacy and perfection of charge.

- Liaise with Legal, Technical, and Operations teams to ensure documentation and disbursement compliance.

4. Stakeholder Management

- Collaborate with Relationship Managers (RMs) to understand client requirements and provide viable credit solutions.

- Present high-ticket cases to senior management and risk committees for approval.

- Interface with external stakeholders, including statutory auditors and credit rating agencies, when necessary.

Preferred candidate profile

Education: CA / MBA (Finance) / CFA or equivalent post-graduate degree in Finance.

Experience: 510 years of experience in Corporate Credit Underwriting or Risk Management within a Bank or NBFC.

Analytical Prowess: Expert-level understanding of balance sheets, P&L, and Cash Flow Statement analysis.

Knowledge: Strong grasp of RBI guidelines, statutory audit requirements, and corporate law.

Tools: Proficiency in financial modeling and credit rating tools/software