Hub Credit Manager/Sr Manager - Bank

Client: Bank is one of India's fastest growing scheduled commercial banks. It is continuously expanding its presence across India through a growing network of branches and ATMs.

Designation: Manager/Senior Manager

Job Description and responsibilities for Hub Credit Manager

- Would have 6 Branch credit Managers reporting to him

- Good Knowledge of the regulatory environment

- Should have prior Experience of handling a team of credit resources

- Job requires candidate to extensively travel in the given geography.

Role:

- To appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority

- To conduct personal discussion with customer / client with intent to understand and analyse associated risks in the business and financial standing of the client.

- To understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in.

- To assess the income, ability, intention, business sustainability & credit behaviour and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.

- To verify legal and technical reports and identify the risks or critical points impacting the proposal.

- To analyse the audited / certified financials as the case may be to assess the eligibility for the loan

- To prepare Credit Approval Memo

- To Manage the entire credit application process right from origin till disbursement

- To Co-ordinate with Legal, Valuer and FI agency for processing the file

- Managing the overall TAT.

- To ensure complete adherence to laid down policy and procedure / process

- Liaise with sales team to proactively assess and resolve issues faced by client.

- To prepare and maintain MIS covering all aspects process and proposal and circulate to authorities on timely basis.

Criteria:

1. Candidate should have prior experience in assessing MSME proposals.20 lacs ticket size.

2. Candidate should have sound knowledge of business environment of the specific region

3. Should have some knowledge of mortgage and related matters. Should be able to articulate the legal and valuation reports

4. Should have sound CAM writing skills

5. Should have sound knowledge of financial statement analysis

6. Should be able to conduct personal discussions with client independently to understand complete business model and ascertain cash generating capacity and associated risks.

7. Should be conversant with word and excel.

8. Should have thorough understanding of KYC and related regulatory guidelines

Qualification: Graduate/ PG/ MBA

Experience: Minimum 7 years of relevant experience and should be managing a team.