Credit Manager-LAP & MSME

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Key Roles and Responsibilities:

• Evaluation of Proposals put up for recommendation / approval as per credit policy.
• Customer visit and discussions to assess the loan requirement.
• Customer business and income assessment.
• Understanding the business thoroughly for self-employed non-professional profiles.
• Ascertaining and Validating the revenue streams and expenditure of the business.
• Should be able to see through the potential risks of the proposal.
• Should have ability to do due diligence without sufficient and formal documents / data.
• Files Checking as per Credit Policy.
• Risk Analysis related to case & Client.
• Maintaining quality of credit information, underwriting standards and presentation.
• PDD and Portfolio Management.
• Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
• Handling Disbursement officers for process.
• Accuracy of work and timeline adherence.

Desired Candidate Profile:

• Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME/Mortgages)
• Understanding of local business and micro economy
• Keen understanding and focus on risk, controls, compliance and regulatory framework
• Strong analytical & communication skills (written & verbal)
• Ability to build, coach and mentor high performance oriented teams
• Should have good knowledge of Risk Related to Business.
• Good client servicing skills.
• Good financial analytical skills, communication skills.