Branch Credit Manager

Job Overview

We are seeking a skilled Branch Credit Manager for our Thiruvarur location. This is a full-time, mid-level position requiring 4 to 6 years of relevant work experience. The ideal candidate will excel in analyzing credit and managing branch credit operations, ensuring compliance with regulatory requirements and maintaining a strong credit portfolio.

Qualifications and Skills

• Must have a minimum of 4 to 6 years of experience in credit management or a related field.
• Strong proficiency in credit analysis with a proven track record (Mandatory skill).
• Experience in loan underwriting and ability to make informed decisions (Mandatory skill).
• Thorough understanding of regulatory compliance to ensure all credit operations adhere to industry standards (Mandatory skill).
• Ability to assess and mitigate risk through detailed risk assessment processes and methodologies.
• Competence in financial statement analysis to evaluate the financial health of clients and businesses.
• Skilled in portfolio management to optimize credit operations and ensure a balanced credit portfolio.
• Proficient in data analysis tools for better decision-making and strategic planning.
• Excellent customer relationship management skills to maintain and enhance customer satisfaction and loyalty.

Roles and Responsibilities

• Manage and oversee all credit operations within the branch, ensuring compliance with company policies and standards.
• Conduct thorough credit analysis and loan underwriting to maintain and improve the branch's credit portfolio.
• Evaluate and provide risk assessments for potential and existing clients, making recommendations for credit approvals.
• Maintain up-to-date knowledge of industry regulations and ensure all new and existing credit processes comply with these standards.
• Develop and maintain strong relationships with clients to understand their financial needs and provide appropriate credit solutions.
• Utilize data analysis tools to monitor credit trends, evaluate portfolio performance, and recommend strategic improvements.
• Collaborate with cross-functional teams to support branch operations and contribute to overall branch success.
• Train and mentor junior staff members, fostering a culture of continuous learning and improvement in credit management functions.