Credit Manager - Bank

Opening in Leading Bank as Credit Manager

Credit Assessment & Approval:

- Evaluate and analyze financial statements, cash flow, and creditworthiness of businesses applying for working capital loans.

- Assess loan applications based on risk parameters, business viability, and repayment capacity.

- Conduct due diligence and ensure compliance with regulatory and internal credit policies.

- Recommend approval or rejection of credit applications with risk-mitigating measures.

Risk Management & Monitoring:

- Monitor portfolio performance and flag potential non-performing assets (NPAs).

- Track industry trends, economic indicators, and borrower-specific risks.

- Conduct periodic reviews and risk reassessments of existing clients.

Documentation & Compliance:

- Ensure completeness and accuracy of loan documentation, including security and collateral requirements.

- Maintain adherence to RBI/Regulatory guidelines and internal credit policies.

- Coordinate with legal and compliance teams to mitigate credit risks.

Stakeholder Management:

- Work closely with sales, relationship managers, and operations teams to facilitate seamless loan disbursal.

- Liaise with external agencies, auditors, and rating agencies for risk assessment.

Collection & Recovery:

- Develop strategies to reduce delinquency and improve collection efficiency.

- Work with recovery teams to resolve overdue accounts and minimize credit losses.

Key Skills & Competencies:

- Strong knowledge of working capital finance, credit assessment, and risk management.

- Proficiency in financial statement analysis, cash flow assessment, and ratio analysis.

- Familiarity with credit scoring models, loan structuring, and regulatory compliance.

- Excellent decision-making, problem-solving, and negotiation skills.

- Strong communication and stakeholder management abilities.