Zonal Credit Manager - Business Loans Group - Bank

Company: Leading private Bank

Role: ZCM - Business Loan group

Grade: Chief Manager

Location: Mumbai

Educational Qualification: CA or MBA having experience in PSU Banks in SME lending business

Experience: Minimum of 7 - 15 years of experience

Brief Job Description:

Job Responsibilities:

- Appraising proposals for SME financing (ticket size upto Rs.20 cr) - both fund based & non fund based, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies

- Supervising, controlling delinquency and credit loss

- Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports

- Fulfilling the credit training needs of entire business team on a continued & timely basis

Team Management

- Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process and operations.

- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance among team members.

- Nurturing, managing & imparting training to the team is also one of the core activities.

Functional Requirements:

- In-depth knowledge of Financial & Credit Risk analysis

- Risk (credit / investment, operational, others) identification and mitigation skills

- Knowledge and experience of having dealt in Banking products and procedures, Documentation

Skills required:

- Ability to understand economic / industry cycles

- Analysis of annual reports and cash flow statements

- Excellent communication skills - verbal, and written (including report writing)

- Problem solving attitude