Business Credit Portfolio Manager

2 days ago


Kolkata, West Bengal, India beBeeCreditPortfolio Full time ₹ 1,04,000 - ₹ 1,30,878
About The Role

We are seeking a seasoned professional to join our team as a Credit Portfolio Manager.

Key Responsibilities:
  • Review and assess complex loan applications within defined guidelines, taking informed decisions or recommending approval to higher authorities.
  • Underwrite proposals in accordance with laid-down policies & procedures, ensuring adherence to agreed SLAs and managing business volumes effectively.
  • Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits.
  • Evaluate income to obligation ratios, loan to value ratios, and gain in-depth knowledge of the rationale behind these calculations and their impact on loan performance over long tenures.
  • Maintain accurate Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster, reporting regularly.
  • BUILD AND FACILITATE EFFECTIVE RELATIONSHIPS WITH THIRD PARTIES TO ACHIEVE BEST OUTCOMES FOR CLIENTS.
  • Take ownership of client queries and utilize industry knowledge and experience to overcome challenges and solve problems.
  • Exceed service quality standards and strive for continuous process improvement.
  • Critically review credit proposals to identify industry, business, financial, management, and facility structure risks.
  • Ensure collateral and other credit risk mitigation to facilitate approving authority decisions.
  • Enable quick turnaround times for credit lending proposals, encompassing loan against property and home loan business, in close liaison with sales teams.
  • Undertake ongoing reviews of credit exposures to ensure they remain bankable.
  • Facilitate critical review and documentation of proposals, monitor client & collateral creditworthiness from pre-sanction to post-disbursement phases, and undertake steps for risk mitigation as required, adhering to legal & documentation norms & policies.
  • Manage the credit underwriting function of the branch, facilitating quick turnaround of credit lending proposals in close liaison with local credit analysts and sales teams.
  • Follow up and ensure recovery of quick mortality cases between MOV.


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