Credit Manager

Role & responsibilities

Financial Analysis:

• Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants.
• Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications.

Credit Risk Assessment:

• Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors.
• Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements.

Loan Structuring:

• Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company.
• Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability.

Documentation and Compliance:

• Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines.
• Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information.

Communication and Decision Making:

• Present credit proposals and recommendations to senior management and credit committees for approval.
• Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications.

Preferred candidate profile

Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr.

Perks and benefits

Best as per industry standards