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Salary Offered : 8-11LPA About Credit and Policy Group : Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. About Business Credit : Business Credit department in Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loans (BLG), and Rural Business Credit (RBC) in the Bank. Business Credit offers a wide spectrum of 360 degree banking opportunities, focusing on unified credit structure approach, leveraging data and technology platform capabilities to offer best in class banking services to our customer. Job profiles and competency/skill requirement The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. Primary Job and Responsibility : - Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions - Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers - Undertake the credit assessment process within defined turn-around-time (TAT) - Focus on delivering best in class service and transaction experience to customers in every engagement - Consider key market nuances in the credit underwriting process Undertake comprehensive opportunity capturing while conducting credit assessment - Keep a focus on creating high quality portfolio - Manage the complete life-cycle of loan process, through credit application till disbursement - Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning - Ensure post disbursement documents and covenant management - Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others - Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks Experience : - Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred - Should have an analytical bend of mind - Basic knowledge of financing and financial statement - Collaborative and orientation to work in cross functional teams - Should have an orientation to learn - Basic Orientation for business and analytical acumen - Basic understanding of financial analysis, balance sheet and profit and loss accounts - Ability to assess impact of policies, rules and regulations on portfolio - Strong communication (both oral and written) and negotiation skills - Attention to detail - Exposure to analytics would be an added advantage - Ability to articulate own point of view Educational Qualifications: Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.

Chennai

Coimbatore

Others

ICICI Bank - Credit Manager 

Job Description for ICICI Bank - Credit Manager  in ICICI Bank Ltd in  Chennai Coimbatore Others for (2-6) years of experience. Apply Now!

ICICI Bank - Credit Manager  | iimjobs.com