Credit Manager-SME Business Banking

Job Requirements

Job Title –Credit Manager

Business Unit – Credit

Job Purpose

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles Responsibilities

Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies procedure to honor the agreed SLAs and manage area business volumes
Supervise a team of credit underwriters and provide guidelines
Conduct personal discussion with customers to establish credit worthiness
Control and contain front-end delinquencies by calling up customer on first presentation
Making sure completion of credit/KYC documents and verification- telephonic, field collateral visits
Coordinate with sales to achieve targets and ensure SLAs are met
Ensuring credit policy adherence to the accepted standards

Educational Qualifications

Graduate – Any graduate

Experience: 2-5 years of experience in credit. Read more