Credit Manager - Chartered Accountant (CA)

Role & responsibilities

Credit Assessment & Analysis

• Analyze financial statements, cash flows, banking behavior, and credit history of Business Banking customers.
• Conduct detailed appraisal of working capital, term loan, and other credit facilities.
• Assess borrower repayment capacity and identify potential credit risks.
• Prepare comprehensive credit appraisal notes and recommendations for approval.

Risk Evaluation

• Evaluate industry, market, operational, and management risks associated with borrowers.
• Review collateral security, valuation reports, and legal documentation.
• Identify early warning signals and recommend appropriate risk mitigation measures.
• Ensure compliance with internal credit policies and regulatory guidelines.

Portfolio Management

• Monitor the performance of assigned credit portfolio.
• Track covenant compliance and submission of financial information by borrowers.
• Coordinate with Relationship Managers for periodic account reviews and renewals.
• Support portfolio quality through proactive risk monitoring and account reviews.

Stakeholder Coordination

• Work closely with Relationship Managers, Credit Managers, Legal, Operations, and Risk teams.
• Assist business teams in structuring lending solutions aligned with customer requirements and risk appetite.
• Provide credit-related support during customer meetings and discussions when required.

Documentation & Compliance

• Ensure completeness and accuracy of credit documentation.
• Maintain adherence to regulatory, audit, and internal compliance requirements.
• Support internal and external audits related to credit processes.