Business Credit Manager
4 days ago
Skills & Qualifications:
- Bachelor's degree in Commerce, Finance, Economics, or related fields (MBA preferred).
- Strong understanding of credit underwriting, business financial analysis, and risk assessment.
- Good knowledge of SME/MSME business models, unsecured/secured business loans, and working capital products.
- Excellent analytical and decision-making skills.
- Proficiency in MS Excel and credit assessment tools.
- Strong communication and coordination ability
Key Responsibilities:
1. Credit Evaluation & Decision Making
- Review and assess business loan proposals submitted by Relationship Officers.
- Analyse financial statements, cash flow, business performance, and collateral valuations.
- Make credit decisions within delegated authority or recommend cases for higher approval.
- Ensure thorough due diligence, risk identification, and accurate documentation.
2. Portfolio & Risk Management
- Monitor branch loan portfolio performance, including delinquency, restructuring, and early warning signals.
- Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.
- Identify potential high-risk accounts and implement corrective measures.
- Conduct periodic reviews of existing loan accounts to ensure sustainability and profitability.
3. Operational & Compliance Oversight
- Ensure all loan files, documents, and approvals are complete, accurate, and properly archived.
- Coordinate with legal, compliance, and operations teams on loan disbursements, collateral registration, and policy updates.
- Support audit processes and resolve credit-related findings.
4. Team Leadership & Collaboration
- Supervise and guide Credit Officers and Relationship Officers in credit analysis and documentation.
- Provide training on credit policies, risk assessment, and underwriting standards.
- Work closely with the branch sales team to balance growth with prudent lending practices.
- Foster a culture of discipline, compliance, and continuous improvement
5. Business Support & Customer Service
- Participate in client visits when necessary to assess business operations and validate credit information.
Job Type: Full-time
Pay: ₹382, ₹574,714.08 per year
Work Location: In person
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