Credit manager- commercial vehicle

2 weeks ago

Chennai, India YES BANK Full time

CHIEF RESPONSIBILITIES Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders. SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial ResponsibilitiesDiscussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit OfficerAssessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basisManaging a team & drive the results/ goals set for self & Team. Core Responsibilities Assessment of Credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature.Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: KEY INTERACTIONSKey Internal Interactions Purpose of Interaction Business Team To interact with SM / ASM /RSM on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required SECTION V: KNOWLEDGE & EXPERIENCE KNOWLEDGEMinimum Qualifications A CA/ MBA from a reputed institute Language Skills Written and spoken English is essential Years of ExperienceMinimum of 2 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)Nature of ExperienceCredit Evaluation in any Bank & credit underwriting preferrable CV product to changes, encouraging discussion, responding with empathy to their anxietyTechnical CompetenciesFinancial Analysis and Market knowledge of industry segment

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