Credit Manager (Working Capital) @ YES Bank, Noida

Role: Credit Manager

BU: Credit Risk Management

SBU: Small Enterprises Business Risk (SEB Risk)

Clients' Turnover: Up to 150-200 Crores

Ticket Size: 7.5 to 50 Crores

Location: Max Towers, Noida

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