Area Credit Manager

Job Description

The purpose of this job is:

1. To oversee the credit underwriting function and review of credit proposals logged in for the region
2. To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
3. To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
4. To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
5. To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
6. To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.