We are seeking an experienced
Credit Manager to join our Corporate & Emerging Business Lending team as Lead Credit Approver. The role involves
evaluating, structuring, and managing customized credit proposals for mid-corporate and emerging corporate clients, ensuring thorough risk analysis, compliance, and smooth execution from origination to post-disbursal.
Key Responsibilities
- Conduct detailed credit appraisal and due diligence for fund-based (OD, CC, TL, LRD, EPC, etc.) and non-fund-based limits (LC, BG, etc.).
- Structure credit proposals aligned with client business requirements and cash-flow patterns.
- Prepare Credit Approval Notes, Information Memorandums, and presentations for internal management and Risk Committee approvals.
- Perform in-depth financial, peer, and industry analysis, evaluate risk rating, and identify key mitigants.
- Liaise with internal stakeholders Business, Credit Risk, Legal, CAD, Trade Finance, and Treasury to ensure end-to-end execution.
- Ensure Post-Disbursal Documentation (PDD) and compliance requirements are met within timelines.
- Track portfolio health through regular reviews, site visits, and early warning signal identification.
- Engage with clients for renewals, documentation, and addressing compliance observations.
- Support in executing structured and syndication deals, including down-selling and secondary transactions.
- Maintain strong governance standards and adhere to internal policies and credit risk framework
Ideal Candidate Profile
- 10-12 years of experience in Corporate Credit / Structured Lending / Mid-Corporate Banking.
- Strong analytical ability to assess company financials, business models, and cash-flow patterns.
- Hands-on experience in deal structuring, financial modeling, and credit memo preparation.
- Exposure to products like LRD, EPC finance, trade products, and syndication deals preferred.
- Working knowledge of credit rating methodologies, risk scoring, and regulatory compliance.
- Excellent communication and coordination skills with multiple internal and external stakeholders.
- Qualification: CA / MBA (Finance) / CFA / equivalent preferred.
