Credit Manager- RB Risk Healthcare Business Equipment

4 days ago

Chennai, Tamil Nadu, India Yes Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Description

CHIEF RESPONSIBILITIES

"Required a candidate Min 3 to 5 Years of Experience in RB Risk Healthcare Business Equipment"

  • Ensure quality Appraisal of credit for worthy borrowers.
  • Ensure timely credit and transaction approvals for delegation under self.
  • Follow up with seniors for credit / transaction approvals.
  • Managing loan portfolio with respect to credit rating/quality.
  • Identify de risk account / AL accounts.
  • Monitoring of Team TAT and Productivity.
  • Ensuring adherence to the credit policy and process.
  • Review of Delinquency
  • Review exceptions and approval for knocking.
  • Respond on the Hindsight and Internal audit observations
  • Conduct monthly Regional Council Meetings with all the stakeholders.

Strategic/ Managerial Responsibilities

  • Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer
  • Assessment of Credit Proposal / Case for his respective location / region
  • Presentation of key observations to Senior Management on periodic basis
  • Managing a team & drive the results/ goals set for self & Team.

Core Responsibilities

  • Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
  • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level
  • Monitoring of delinquency, exceptions, portfolio movement.
  • Maintaining data as required by the Senior Management

People Management or Self-Management Responsibilities

  • Active participation in process re-engineering related to product / process
  • Collaborate with business, OSD & Policy team for any change in the process/policy.
  • Self-driven, goal oriented & dynamic in nature.

Risk and Internal Control Responsibilities

  • Identify the gaps in the process & highlights to the Senior Management
  • Suggestion for changes in Policy

Minimum Qualifications

  • A CA/ MBA from a reputed institute

Years of Experience

Minimum of 3 to 5 years of work experience in credit evaluation in a Bank (Not NBFC)

Nature of Experience

Credit Evaluation in any Bank

Technical Competencies

Financial Analysis and Market knowledge of industry segment

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