Credit Manager
CurrentKey Responsibilities:• 360° Credit Assessment: Independently preparing comprehensive credit assessment (covering macro-overview, industry/sector, competitor, business, financial, and credit analysis) of clients continuously through desk review and on-field diligence and monitoring; keep a close watch on allocated portfolio clients. It also includes the preparation of detailed proposal notes for the internal circulation of Large Corporations.• Process Compliance: To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct, and Financials risk. Able to hold conversations and engage with the client’s senior management and present the clients’ credit profile to the internal team and Credit Committee to support their decision-making.• EWS Management: Follow-up with the sales team, account relationship team, and other concerned teams for new sourcing and renewal/review. Identifying early warning signs of credit deterioration, joint monitoring of portfolio with account relationship team based on early warning systems.• Portfolio Monitoring: Capable of forming a view and suggesting a course of action regarding the exposure of clients. Management of the assigned portfolio through improved disbursement with a key focus on quality. To interact with approving authorities and provide them with the required information for better decision-making and engaging in regular discussions to give them an independent view of the credit / economic developments.• Deferral Management: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Manage and ensure timely renewal of accounts and enhancement of portfolio.• Ground Sensing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.
