About the role
Role: Credit Manager
BU: Credit Risk Management
SBU: Small Enterprises Business Risk (SEB Risk)
Ticket Size: 7.5 to 50 Crores
Location: Kolkata
Role Summary:
- Ensure quality Appraisal of credit for worthy borrowers.
- Ensure timely credit and transaction approvals for delegation under self.
- Follow up with seniors for credit / transaction approvals.
- Managing loan portfolio with respect to credit rating/quality.
- Identify de risk account / AL accounts.
- Monitoring of Team TAT and Productivity.
- Ensuring adherence to the credit policy and process.
- Review of Delinquency
- Review exceptions and approval for knocking.
- Respond on the Hind sight and Internal audit observations
- Conduct monthly Regional Council Meetings with all the stakeholders.
Core Responsibilities:
- Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal
- Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level
- Monitoring of delinquency, exceptions , portfolio movement.
- Maintaining data as required by the Senior Management