Credit Manager- Commercial Vehicle

4 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/ ACCOUNTABILITIES
Strategic/ Managerial Responsibilities
Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer
Assessment of Credit Proposal / Case for his respective location / region
Presentation of key observations to Senior Management on periodic basis
Managing 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 INTERACTIONS
Key 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 KNOWLEDGE
Minimum Qualifications
A CA/ MBA from a reputed institute
Language Skills
Written and spoken English is essential
Years of Experience
Minimum of 2 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)
Nature of Experience
Credit Evaluation in any Bank & credit underwriting preferrable CV product
to changes, encouraging discussion, responding with empathy to their anxiety
Technical Competencies
Financial Analysis and Market knowledge of industry segment

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