Credit Manager- MIB Risk

4 weeks ago


Indore, Madhya Pradesh, 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.

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

Years of Experience

Minimum of 3 to 5 years of work experience in credit evaluation in a Bank

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