Job Description
The Credit Manager manages the credit activities and processes of the Wholesale Credit vertical for the designated location. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank
Key Responsibilities
• Review the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency
• Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
• Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
• Monitor the accounts to ensure maintenance of a healthy portfolio.
• Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
• Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme
Qualifications:
Optimal qualification for success on the job is:
• Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
• Experience in assessing credit of Corporate clients
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to handle pressure and meet deadlines
Key Responsibilities
• Review the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency
• Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.
• Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions
• Monitor the accounts to ensure maintenance of a healthy portfolio.
• Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives
• Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme
Qualifications:
Optimal qualification for success on the job is:
• Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute
• Experience in assessing credit of Corporate clients
Role Proficiencies:
For successful execution of the job, the candidate should possess the following:
• Knowledge of credit, industry and product trends
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Ability to handle pressure and meet deadlines
💡 Quick Summary
Seeking a career-building opportunity? The WCCBG|Credit Manager SEG position is now open for candidates interested in the Bank Jobs sector. This role in Kolkata 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.