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| RC - Credit Manager - CVCE - NPC | ||||||
| INTERNAL USAGE: | ||||||
| No. of Vacancies: | Reports to: | Head High Value Underwriting - Retail | ||||
| Is a Team leader | N | Team Size: | NA | |||
| Grade: | ||||||
| Business: | Corporate Center | Department: | Retail Credit | Sub-Department: | Retail Credit | |
| Location: | ||||||
| About Retail Credit | ||||||
| The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes | ||||||
| AbouttheRole | ||||||
| The team member manages the credit appraisal of the High Value proposals with exposure above Rs. 7.50 cr (single or combined), under Mortgages and SBB, which are received from the various CPC locations. The team is responsible for smooth functioning of the Credit appraisal activities of such proposals and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank | ||||||
| Key Responsibilities | ||||||
Review the credit proposals by providing quick insight as a part of the sanctioning authority and by ensuring adherence to the standard process, Turn Around Time and decision consistency Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. Gather market intelligence to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions Exercise proper due diligence while appraising the high value proposals Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives | ||||||
| Qualifications | ||||||
Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute Experience in assessing credit of Secured Loans & Working Capital facilities in a Bank/NBFC | ||||||
| Role Proficiencies: | ||||||
For successful execution of the job, the candidate should possess: Knowledge of credit, industry and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines |
Job ID: 140919121
