Job Description
• Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions
• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks
• Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind
• Basic knowledge of financing and financial statement
• Collaborative and orientation to work in cross functional teams Should have an orientation to learn
• Conceptual understanding of risk and risk mitigation strategies
• Basic Orientation for business and analytical acumen
• Basic understanding of financial analysis, balance sheet and profit and loss accounts
• Ability to assess impact of policies, rules and regulations on portfolio
• Strong communication (both oral and written) and negotiation skills
• Attention to detail
• Exposure to analytics would be an added advantage
• Ability to articulate own point of view
• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks
• Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred Should have an analytical bend of mind
• Basic knowledge of financing and financial statement
• Collaborative and orientation to work in cross functional teams Should have an orientation to learn
• Conceptual understanding of risk and risk mitigation strategies
• Basic Orientation for business and analytical acumen
• Basic understanding of financial analysis, balance sheet and profit and loss accounts
• Ability to assess impact of policies, rules and regulations on portfolio
• Strong communication (both oral and written) and negotiation skills
• Attention to detail
• Exposure to analytics would be an added advantage
• Ability to articulate own point of view
💡 Quick Summary
Seeking a career-building opportunity? The Credit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai 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.