Credit Manager Commercial Vehicle Loans

Found in: Talent IN C2 - 2 weeks ago


Rajkot, India RUHI CONSULTANT Full time
OverviewThe CreditManager for Commercial Vehicle Loans plays a crucial role in theorganizations lending operations responsible for assessing thecreditworthiness of commercial vehicle loan applicants and managingthe overall credit risk associated with the loan portfolio. Therole requires a keen understanding of credit analysis riskassessment and financial statement analysis to make sound lendingdecisions and uphold the organizations creditstandards.KeyResponsibilities
  • Conductcomprehensive credit analyses to determine the creditworthiness ofcommercial vehicle loan applicants.
  • Assess thefinancial statements credit reports and other relevant financialdata to evaluate the potential risks associated with the loanapplications.
  • Develop and implement creditunderwriting guidelines tailored to commercial vehicleloans.
  • Collaborate with the sales and businessdevelopment teams to structure credit facilities that meet theneeds of commercial vehicle loancustomers.
  • Manage the credit approval processand ensure adherence to established credit policies andprocedures.
  • Monitor the performance of thecommercial vehicle loan portfolio and implement proactive riskmanagement strategies.
  • Review and update thecredit scoring models and risk assessment frameworks to enhancelending decisionmaking.
  • Provide guidance andsupport to team members involved in credit evaluation andunderwriting processes.
  • Establish and maintaineffective communication channels with internal and externalstakeholders to facilitate the credit evaluation and approvalprocesses.
  • Contribute to the development ofstrategies for expanding the commercial vehicle loan portfoliowhile managing credit riskseffectively.
RequiredQualifications
  • Bachelors degree inFinance Accounting Business Administration or a relatedfield.
  • Proven experience in commercial lendingwith a focus on commercial vehicleloans.
  • Demonstrated expertise in creditanalysis risk assessment and financial statementanalysis.
  • Strong understanding of underwritingprinciples and practices specific to commercial vehiclefinancing.
  • Knowledge of relevant industryregulations and compliancerequirements.
  • Excellent analytical andproblemsolving skills with attention todetail.
  • Effective communication and negotiationabilities to interact with stakeholders at alllevels.
  • Proficiency in utilizing financialanalysis tools and credit scoringmodels.
  • Ability to thrive in a fastpaceddynamic environment while managing multiple prioritieseffectively.
  • Professional certifications incredit management or related areas would be anadvantage.

stakeholderinteraction,credit underwriting guidelines,riskassessment,financial analysis tools,customer relationshipmanagement,credit analysis,portfolio management,financial statementanalysis,loan portfolio management,underwriting,communication,salescollaboration,credit scoring models,risk managementstrategies


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