Job Description
Provide objectivity to the Credit approval process
• Underwrites new transactions and document renewals, modifications and covenant violations Review commitment letters; reviews and approve annual reviews and tenant underwriting for report to loan committee
• Ensure adherence to Credit policy, guidelines and regulatory requirements
• Assists loan document negotiations
• Support the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios.
• Provide ongoing coaching and support for credit analysts
• Effectively monitor portfolio for revenue opportunities and/or loan exposures
• Responsible for credit analysis, proper loan structuring and overall sales efforts in area
• Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer oriented projects
• Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients
• Manage loans through the lending process and present loan requests and renewals to Senior Management and Loan Committee
• Complete all requirements of loan bookings, to include preparation, review, documentation and filing
• Work with clients to modify and/or restructure existing loans as needed Underwrite new loans, renewals, extensions and modifications
• Help resolve credit problems, delinquent payment issues, and other related affairs
• Review current account status, to include but not limited to, Past Due accounts and Notes Matured. Make appropriate recommendations for these accounts
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner
• Participate in evaluating risk rating and make revision recommendations
• Prepare lending activity reports for management and loan committee as needed
• Underwrites new transactions and document renewals, modifications and covenant violations Review commitment letters; reviews and approve annual reviews and tenant underwriting for report to loan committee
• Ensure adherence to Credit policy, guidelines and regulatory requirements
• Assists loan document negotiations
• Support the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios.
• Provide ongoing coaching and support for credit analysts
• Effectively monitor portfolio for revenue opportunities and/or loan exposures
• Responsible for credit analysis, proper loan structuring and overall sales efforts in area
• Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer oriented projects
• Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients
• Manage loans through the lending process and present loan requests and renewals to Senior Management and Loan Committee
• Complete all requirements of loan bookings, to include preparation, review, documentation and filing
• Work with clients to modify and/or restructure existing loans as needed Underwrite new loans, renewals, extensions and modifications
• Help resolve credit problems, delinquent payment issues, and other related affairs
• Review current account status, to include but not limited to, Past Due accounts and Notes Matured. Make appropriate recommendations for these accounts
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner
• Participate in evaluating risk rating and make revision recommendations
• Prepare lending activity reports for management and loan committee as needed
💡 Quick Summary
Seeking a career-building opportunity? The Area Credit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Hyderabad offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.