Regional Credit Manager
1 day ago
End-to-End Credit Approval:
- Support and partner with business teams to manage the entire credit approval process within the designated region.
Credit Underwriting:
- Underwrite credit applications for corporate finance products across all customer segments.
- Present underwriting recommendations to senior-level management.
- Having deep understanding of various industries
- Suggest/Incorporate adequate transaction structures for mitigating Risks and maintain quality loan portfolio.
Deviations Authorization:
- Authorize deviations from credit policies when raised and documented by underwriters, ensuring compliance.
Credit Memo Review:
- Finalize the review of credit memos prepared by underwriters.
- Approve or decline credit applications, considering documentation requests.
Disbursement Approvals:
- Approve disbursement requests based on adherence to sanctioned conditions and ensuring appropriate documentation.
Vendor Follow-up:
- Oversee and initiate follow-ups with external vendors to resolve queries, ensure timely report submission, and eliminate delays.
Business Insights:
- Collaborate with the recoveries team to generate business insights from credit data and portfolio performance.
Team Leadership:
- Lead and manage a team of credit manager to ensure quality of credit portfolio and minimize delinquencies.
- Provide training and coaching to enhance team's competency and processing efficiency.
Portfolio Monitoring
- Identification of Early warning signals to earmark stress accounts and initiation of exit from stress accounts
- Proactive monitoring of portfolio for control over credit costs.
- Presentation of Regional portfolio including cuts to Senior Management
Strategic Initiatives and Credit Program Development:
- Engage in the development, implementation, review, and monitoring of various credit programs to support business growth.
- Participate actively in development and adoption of digital processes and automation.
- Conducting portfolio reviews including Sector Specific Reviews
Travel and Branch Oversight:
- Extensively travel within the region to oversee branches under the designated territory.
- Provide guidance to the team and ensure the quality of the portfolio.
Compliance:
Ensure strict compliance with all audit, regulatory, and company regulations, processes, policies, and reporting systems
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