Credit Manager

• Credit assessment and underwriting of loan applications based on financial, business and industrial risk, end to end from initiation to disbursal of loans.
• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials.
• Preparing credit notes to enable recommendations to assist the sanctioning authority for higher exposure in the decision making process.
• Responding to the queries raised by the sanctioning authority from time to time and fulfilling their requirements.
• Analysis of the financial statements of the prospective clients to identify the short term & long term solvency & liquidity position.
• Coordination with advocates, valuers and other processing professionals.
• Disbursal of loans including all checks and verification. Coordinating post approval activities encompassing documentation, account opening, disbursement, loan postponements, rehabilitation & restructuring etc.
• Ensure timely adherence to compliance s of the banks.
• Represent the company to the outside world, including lending partners, board of directors & other strategic alliances. Develop strong internal and external relationships.
• Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
• Create credit and underwriting policies & processes.
• Responsible for ensuring sound understanding of credit policy across all relevant levels.
• Manage credit quality and control delinquencies and frauds. Monitoring the health of the portfolio at regular intervals.
• Managing & leading teams for running successful Credit process operations & experience of developing procedures, service standards for business excellence.
• Responsible for maintaining the processing TAT.

Skills and Knowledge

Analytical skills.
Inclination to work in finance.
Problem solving attitude.
Communication Verbal & Written.
Attention to details.
Team handling experience.
Working knowledge of Accounting, Tax & Law.