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    Credit - Job Description

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    yashkanthaliya5
    The Credit Manager is responsible for credit underwriting of customers across various banking segments to offer comprehensive banking solutions. Key responsibilities include conducting thorough credit assessments and underwriting within defined timelines, focusing on best-in-class customer service, and managing the entire loan lifecycle from application to disbursement. The ideal candidate will have experience in credit appraisal and risk analysis, strong analytical and communication skills, and preferably a graduate degree in finance or business administration.

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    Credit - Job Description

    Uploaded by

    yashkanthaliya5
    16 views2 pages
    The Credit Manager is responsible for credit underwriting of customers across various banking segments to offer comprehensive banking solutions. Key responsibilities include conducting thorough credit assessments and underwriting within defined timelines, focusing on best-in-class customer service, and managing the entire loan lifecycle from application to disbursement. The ideal candidate will have experience in credit appraisal and risk analysis, strong analytical and communication skills, and preferably a graduate degree in finance or business administration.

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    Credit_Job Description (1)

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    The Credit Manager is responsible for credit underwriting of customers across various banking segments to offer comprehensive banking solutions. Key responsibilities include conducting thorough credit assessments and underwriting within defined timelines, focusing on best-in-class customer service, and managing the entire loan lifecycle from application to disbursement. The ideal candidate will have experience in credit appraisal and risk analysis, strong analytical and communication skills, and preferably a graduate degree in finance or business administration.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    16 views2 pages

    Credit - Job Description

    Uploaded by

    yashkanthaliya5
    The Credit Manager is responsible for credit underwriting of customers across various banking segments to offer comprehensive banking solutions. Key responsibilities include conducting thorough credit assessments and underwriting within defined timelines, focusing on best-in-class customer service, and managing the entire loan lifecycle from application to disbursement. The ideal candidate will have experience in credit appraisal and risk analysis, strong analytical and communication skills, and preferably a graduate degree in finance or business administration.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    Job Description - Credit Manager

    Job profiles and competency/skill requirement

    The incumbent is responsible for credit underwriting of customers across individual,


    business banking and rural ecosystems with a focus on 360-degree Banking. Through a
    superior service, delivery and transaction experience for customers, the Credit Manager
    gets an opportunity to capture the diverse 360-degree banking needs and offers solutions
    accordingly. The incumbent works closely with the Sales & Relationship teams to on board
    value customers for the Bank. The role has a significant contribution towards capturing
    opportunities across Business & Retail customer segments.

    Primary job duties/responsibilities

     Undertake a comprehensive 360 Banking assessment of customers and offer right


    Banking solutions
     Undertake a thorough and comprehensive single window credit assessment process,
    which can serve as the enabler to offer right loan products to customers
     Undertake the credit assessment process within defined turn-around-time (TAT)
     Focus on delivering best in class service and transaction experience to customers in
    every engagement
     Consider key market nuances in the credit underwriting process
     Undertake comprehensive opportunity capturing while conducting credit
    assessment
     Keep a focus on creating high quality portfolio
     Manage the complete life-cycle of loan process, through credit application till
    disbursement
     Keep a track of market factors, indices, policies and regulations and identify the
    impact on credit portfolio
     Ensure post disbursement documents and covenant management
     Work closely with internal teams such as legal, technical valuation, filed
    investigation, risk containment amongst others
     Monitor loan utilization, repayment capacity, adherence to policy/guidelines and
    loan covenants and other critical process and compliance checks

    Experience & Competencies

     Experience in credit underwriting, credit appraisal, finance, risk, audit will be


    preferred
     Should have an analytical bend of mind
     Basic knowledge of financing and financial statement
     Collaborative and orientation to work in cross functional team
     Should have an orientation to learn
     Conceptual understanding of risk and risk mitigation strategies
     Basic Orientation for business and analytical acumen
     Basic understanding of financial analysis, balance sheet and profit and loss
    accounts
     Ability to assess impact of policies, rules and regulations on portfolio
     Strong communication (both oral and written) and negotiation skills
     Attention to detail
     Exposure to analytics would be an added advantage
     Ability to articulate own point of view

    Educational Qualifications

    Candidate should have a Graduate degree with professional qualification of Chartered


    Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-
    Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a
    Premier institution preferably in Economics / Commerce / Business Administration or
    Finance with min 3 years of experience.

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