Area Credit Manager WC SME With Leading Bank

Job description
Key Responsibilities:

• Provide sound, independent credit advice and recommendations for Commercial Vehicles / Construction Equipment (Infrastructure) / Dealer Finance credit proposals.

• Handle all types of working capital facilities (Fund base and Non-fund based limit), including credit appraisal, financial analysis, and preparation of appraisal notes.

• Present proposals to sanctioning forums, obtain approvals, and respond to queries from approving authorities.

• Meet with customers, conduct site visits, and assess business capabilities, inventory, and working environment.

• Engage in regular discussions with approving authorities to provide an independent view on credit/economic developments and support decision-making processes.

• Monitor and manage credit portfolios and risks proactively, maintaining a deep understanding of individual credit-takers and their needs.

• Align decision-making with business requirements while upholding quality and adhering to laid-down policies through ongoing discussions with business teams.

• Contribute to central projects and collaborate with vendors, external agencies, IT teams, and digital business solution providers to develop scalable reporting/decision support tools.

• Maintain accurate MIS/compliance records and supply them to relevant authorities as required.

• Excellent written and oral communication skills are essential.

• Chartered Accountant/MBA with at least 6-8 years of experience in credit underwriting and team leadership. Read more