RC&WC - CBG:Credit Manager SEG

4 weeks ago

Ludhiana India Axis Bank Full time

Job Description

CREDIT MANAGER
INTERNAL USAGE:
No. of Vacancies: Reports to: Area Credit Head SEG
Is a Team leader N Team Size: NA

Grade:
Business: Corporate Center Department: Wholesale Credit Sub-Department: SEG Credit
Location:
About Wholesale Credit
The Wholesale Credit department in the Bank is a Credit Underwriting department for all Large/ mid and SME clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
AbouttheRole
The Credit Manager manages the credit activities and processes of the Wholesale Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank
Key Responsibilities
- Review the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency
- Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
- Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
- Monitor the accounts to ensure maintenance of a healthy portfolio.
- Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
- Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme

Qualifications
Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

Experience in assessing credit of Corporate clients

Role Proficiencies:
For successful execution of the job, the candidate should possess:

Knowledge of credit, industry and product trends

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Ability to handle pressure and meet deadlines

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