Credit Manager

Role & responsibilities

The Credit Manager - SBE is responsible for assessing the creditworthiness of Small Business Enterprise customers, evaluating loan proposals, mitigating credit risk, and ensuring adherence to the Bank's credit policies and regulatory guidelines. The role focuses on supporting business growth through prudent underwriting while maintaining portfolio quality and asset performance.

Key Responsibilities

Credit Appraisal & Assessment

• Analyze loan applications, financial statements, banking transactions, GST data, bureau reports, and other relevant documents to assess borrower eligibility.
• Evaluate business cash flows, repayment capacity, leverage, and operational performance.
• Conduct detailed credit assessments for SBE customers across various industries and business segments.

Risk Evaluation

• Identify and assess risks associated with lending proposals.
• Evaluate industry trends, business sustainability, management quality, and market risks before recommending credit decisions.

Credit Decisioning

• Recommend approval, modification, or rejection of credit proposals based on policy guidelines and risk assessment.
• Ensure adherence to delegated authority and turnaround time (TAT) commitments.

Portfolio Monitoring

• Monitor the performance of approved accounts and identify Early Warning Signals (EWS).
• Track delinquencies, overdue accounts, and portfolio quality indicators to initiate timely corrective actions.

Policy & Compliance

• Ensure compliance with internal credit policies, RBI guidelines, audit requirements, and regulatory standards.
• Maintain proper documentation and adherence to all operational and credit risk controls.

Customer & Stakeholder Management

• Work closely with Relationship Managers, Sales Teams, Operations, Legal, Risk, and Collections teams.
• Provide credit guidance and support business teams in achieving growth objectives while maintaining risk discipline.

Financial Analysis

• Assess balance sheets, profit & loss statements, cash flow statements, bank statements, and working capital requirements.
• Evaluate collateral coverage, debt servicing ability, and overall financial health of borrowers.

Reporting & MIS

• Prepare credit notes, portfolio reviews, risk reports, and management MIS.
• Present key portfolio trends, exposure analysis, and risk observations to stakeholders.

Location : Ahmedabad