Overview
Credit Manager – Large Corporates Sector – Banking
Department: Large Corporate – Credit
Reporting Relationships : Vice President- Credits
Job Requirements:
– Excellent written and oral communication skills
– Chartered Accountant/ MBA
– Good analytical skills
– Good understanding of all the working capital products
Job Role:
– Preparation of Credit Appraisal notes for Large Corporates.
– Ticket Size Handled would be upto 500 to 1000 CR.
– Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
– As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
– To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
– Manage and ensure timely renewal of accounts and enhancement of portfolio
– To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
– Team Handling 3 4 people
– Discuss with business on Terms and Conditions for risk assessments
– Discuss with customers for obtention of information for preparation of CRANs.
– Monitor the accounts based on the terms stipulated by Sanctioning Authority.
– Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
– Escalate with action plan for non compliances.
– Visit the units and submit inspection reports.
– Manage and address any escalations related to risk assessments