Credit Manager

Roles and Responsibilities :

• Develop financial models to forecast potential risks and returns for the proposed credit transactions.
• Manage the credit assessment process for corporate clients and ensure timely decision.
• Conduct detailed credit analysis and risk assessment for potential clients
• Review and prepare the credit opinions and gather all opinions from the branch departments for approval by relevant committees
• Comply with all the regulatory requirements and internal policies related to credit management
• Develop new credit products and policies assigned to Credit Department
• Managing asset quality quality of the portfolio, monitoring delinquency.
• Coordinating with the Middle Office for recording credit related transactions in the CBS, RBI reporting etc
• Actively participate in structuring of complex credit transactions, Development of CBS system and other ancillary tasks.

Job Requirements :

• 10-20 years of experience in banking industry, preferably in a similar role.
• Strong understanding of credit analysis principles, including financial statement review and cash flow analysis.
• Excellent communication skills for effective client interaction and relationship-building.
• Ability to work independently with minimal supervision while meeting deadlines.