
Lead Credit Professional
2 days ago
About This Role:
- We are seeking a seasoned credit professional to join our team as a Credit Manager.
- The ideal candidate will possess strong analytical skills, excellent communication abilities, and the ability to work effectively in a fast-paced environment.
Key Responsibilities:
- Ensure quality appraisal of credit for worthy borrowers by conducting thorough assessments and making informed decisions.
- Timely credit and transaction approvals for delegation under your supervision.
- Foster collaboration with senior colleagues for credit/transaction approvals.
- Maintain a healthy loan portfolio by adhering to credit rating/quality standards.
- Identify and mitigate potential risks associated with delinquent accounts.
- Monitor Team TAT and Productivity, implementing strategies to enhance performance.
- Adhere to established credit policies and procedures.
- Analyze and address delinquency and exceptions in a timely manner.
- Respond promptly to internal audit observations.
- Conduct regular regional council meetings to ensure alignment and progress.
Strategic/Managerial Responsibilities:
- Present key observations to senior management, driving informed decision-making.
- Evaluate credit proposals/cases for respective locations/regions, providing expert insights.
- Manage teams and drive results/goals, fostering a culture of excellence.
Core Responsibilities:
- Assess credit proposals, review cases based on credit policy parameters, ensuring compliance.
- Prepare CAM/reports highlighting information quality, providing actionable insights.
- Monitor delinquency, exceptions, and portfolio movement, taking proactive measures.
- Maintain accurate data required by senior management, ensuring seamless reporting.
Requirements:
- Minimum 3-5 years of experience in credit evaluation in a banking environment.
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