Senior Manager - Credit, Quality & Training

Role & responsibilities :

 1. Credit Assessment & Approval

• Evaluate and approve credit applications within designated authority limits.
• Conduct thorough analysis of financial statements, credit reports, and other relevant documents.
• Ensure compliance with internal credit policies, regulatory guidelines, and risk management frameworks.

2. Portfolio Management

• Monitor the performance of the credit portfolio to identify potential risks and trends.
• Implement risk mitigation strategies to improve portfolio quality.
• Conduct periodic portfolio reviews and provide insights to senior management.

3. Policy & Process Management

• Develop and update credit policies and procedures in alignment with industry best practices.
• Standardize credit processes across branches to enhance efficiency and compliance.

4. Coordination & Communication

• Work closely with state and regional credit managers to ensure consistent application of credit policies.
• Collaborate with sales and operations teams to streamline credit processes and address challenges.
• Provide training and support to credit staff on credit evaluation and risk management techniques.

5. Regulatory Compliance

• Ensure all credit activities adhere to regulatory requirements and internal audit standards.
• Prepare and submit regulatory reports as required.

6. Reporting & Analysis

• Prepare detailed credit reports and insights for senior management.
• Track and analyze key credit metrics, including approval rates, delinquency rates, and portfolio performance.
• Manage interactions with audit functions and present findings to senior management.