State Credit Manager - CV Loan

State Credit Manager- CV Loan

Job Description:

- As the Credit Operations Manager for Commercial Vehicle (CV) Loans within the state, your primary responsibilities include:

- Team Leadership: Lead and supervise a team of executives to ensure efficient and effective credit operations.

- Credit Evaluation: Evaluate credit proposals by assessing financial, business, and industrial risks, and make informed decisions regarding loan approvals.

- Borrower Verification: Verify the track record of borrowers and determine their creditworthiness to mitigate risks.

- Financial Analysis: Analyze the financial statements of prospective customers to assess their short-term and long-term solvency and liquidity positions.

- Customer Service: Understand customer requirements and ensure prompt service delivery to enhance customer satisfaction.

- Audit Framework: Establish an audit framework, conduct audits, and ensure timely closure of audit findings.

- Analytics and Reporting: Utilize basic analytics to generate Management Information System (MIS) reports for various stakeholders.

- Performance Monitoring: Monitor and enforce approval rates and Turnaround Time (TAT) as per prescribed standards to maintain operational efficiency.

- Vendor Management: Manage relationships with vendors involved in credit operations to ensure seamless processes.

- This role requires strong leadership, analytical, and communication skills, along with the ability to make sound credit decisions while adhering to regulatory guidelines and organizational policies.