Credit Risk Manager

2 days ago

Bengaluru, Karnataka, India beBeeRisk Full time ₹ 9,00,000 - ₹ 12,00,000

Job Opportunity: Team Lead

Job Summary:

We are seeking a seasoned Team Lead to oversee a team of professionals in credit appraisal and risk management. As a key member of our organization, you will be responsible for evaluating the financial health of prospective clients, preparing detailed proposals, and ensuring timely clearance from credit sanctioning committees.

Key Responsibilities:

  1. Evaluate the financial health of prospective SME clients, including conduct of credit appraisal for fund-based exposures such as Working Capital, Overdraft, Cash Credit, Term Loan, etc., and non-fund based exposures like Letter of Credit and Bank Guarantee.

  2. Prepare detailed proposal notes and ensure timely clearance from credit sanctioning committees.

  3. Meet with clients to evaluate their requirements and market conditions; structure proposals/deals adhering to the bank's credit guidelines, credit programs, and client needs.

  4. Monitor economic and industry developments along with financial parameters of clients to detect potential risk triggers or stress signs and take appropriate mitigating actions.

  5. Perform detailed credit and background reference checks on all prospective SME FI clients.

  6. Present credit proposals to sanctioning committees to obtain sanction and approval as per bank policies.

  7. Jointly monitor portfolio health with account relationship teams based on early warning systems.

  8. Prepare risk and rating sheets, making informed recommendations to approving committees.

  9. Approve credit cases within delegated authority limits.

  10. Continuously monitor the portfolio for early warning signals to proactively manage risks.

Required Skills and Qualifications:

  • Credit appraisal and analysis

  • Risk assessment and mitigation

  • Financial statement analysis

  • Proposal writing and presentation

  • Knowledge of fund-based and non-fund-based banking products

  • Client relationship management

  • Market and industry research

  • Strong analytical and decision-making skills

  • Communication and interpersonal skills

  • Ability to work with sanctioning committees and internal teams

  • Knowledge of banking policies and regulatory guidelines

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