Credit Manager

Job Description


Job Description
Role includes review / analyze customers Credit Applications, Availments . Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meet customer requirements/ capabilities.
Should have banking experience with experience in Credit / Risk unit.
Approving the credit proposals up to the designated limit or recommending the proposals to the upper approving limit.
Provides satisfactory credit decisions (approve, decline, conditional)/ recommendation / judgment & add value to the analysis of the credit proposals.
Provide timely report to SME Risk Head for any discrepancies / negative indicators.
Work closely with the business in a consultative and proactive manner to ensure credit procedure & policies are effectively implemented & desired standards are met.
Collaborate with the Business to make sure receiving complete set of documents required for review / analyses of the credit application.
Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness
Highlight risk factors & mitigation, in each credit application.
Requirements
Role includes review / analyze customers Credit Applications, Availments . Check documents and genuineness of financial statements, conduct financial and non-financial analysis for Credit Proposals in accordance with bank policies and recommend the financing package that meet customer requirements/ capabilities.
Should have banking experience with experience in Credit / Risk unit.
Approving the credit proposals up to the designated limit or recommending the proposals to the upper approving limit.
Provides satisfactory credit decisions (approve, decline, conditional)/ recommendation / judgment & add value to the analysis of the credit proposals.
Provide timely report to SME Risk Head for any discrepancies / negative indicators.
Work closely with the business in a consultative and proactive manner to ensure credit procedure & policies are effectively implemented & desired standards are met.
Collaborate with the Business to make sure receiving complete set of documents required for review / analyses of the credit application.
Conduct site visits (whenever is needed) to the customers to evaluate the quality of the management / operations & credit worthiness
Highlight risk factors & mitigation, in each credit application.

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