Regional Credit Manager - Bank

- Credit managers oversee a company's credit-granting process.

- They optimize company sales and reduce bad loans by maintaining a strict credit policy.

- They do this by assessing potential customers' creditworthiness and conducting periodic reviews of their existing customers.

- Managing a team of Credit Analysts.

- Prioritising of proposals in consultation with business team and helping in structuring.

- Guiding the team of Credit Analysts on underwriting quality notes and effective monitoring, assisting them in formulating credit recommendation.

- Active involvement in client meetings to understand their business model and risk management policies.

- Vetting of Credit Appraisal Notes prepared by Credit Analysts.

- Representing the Credit perspective on risk assessment, structuring during discussion of proposal / transactions with Senior management.

- Ensuring that loans adhere to program, compliance, due diligence and industry requirements.

- Closely monitoring the portfolio along with credit analysts and escalate with action plan on non-compliances and EWS.

- Escalate with action plan for non-compliances.

- Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits.

- Credit Manager with wholesale banking or working capital experience.

Grade: Chief Manager