General Manager - Loan Advances - Retail/SME/Commercial Banking

Exp : 8 - 20 Years

Job Description / Responsibilities :

To be well versed in the capacity of Departmental Head and to be able to lead the team of 40 Staff .

The department comprises of :

01.) Loan bucket of Rs. 50 Lakh and Above

02.) Loan bucket of Rs. 5 Lakh to 50 Lakhs

03.) Legal documentation of all the Loan Documents.

04.) Gold Loan Portfolio & Credit Monitoring Cell

Desired profile of the candidate:

01.) Candidate should contribute and ensure strategies in place to achieving the goal for Advances.

02.) Must be able to effectively manage a portfolio of Retail /SME/ Large Commercial advances and will be responsible for monitoring maintaining asset quality, supervision and control of the credit portfolio of the bank.

03.) Must be able to appraise large credit proposals judiciously and a team of officials in Credit Department for credit appraisals and lead the team for achievement of business goals.

04.) The candidate should have hands on working experience in a banking environment of analyzing / reviewing term loan proposals, working capital loans (both fund based and non-fund based), Secured Loans (loans against gold, Govt sec, shares. Bank Deposits, Properties (Commercial/ residence), Machinery, Vehicle (Individual / Commercial) and unsecured loans to companies & salaried individuals, Mortgaged based real estate lending, project finance etc.

05.) The candidate would also be required to assist in monitoring and tracking the portfolio of the respective businesses and help build strong credit monitoring systems.

06.) The candidate should be conversant with RBI guidelines, companies law regulations & with the capital markets & he / she is expected to be on top of any market event or regulation change, impacting the portfolio & apprise the Risk Head and the business risk teams on the impact.

07.) Should be familiar with ratings models and risk scoring models of credit agencies / banks.

08.) Candidates must possess a strong communication capability & presentation aptitude with an effective ability to articulate views on the subject.

5 to 10 Years of relevant experience, Preferably in the capacity of Heading one of the team / wing of the Credit Department in Bank / NBFC /. Experience of working in Co-Operative Bank would be an added advantage,VRS candidates are prefferred.

Graduate /Post graduate with CA/CWA/MBA/CAIIB will be preferred ; LLB qualification will be an added advantage.

If interested kindly Apply or reach me at 919833725570