Credit Manager Mid Market Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Coimbatore District; Vor Ort; INR 1.500.000 - 2.500.000; Vollzeit

Zusammenfassung

Intellectual Capital HR Consulting Pvt. Ltd. in India seeks an experienced Credit Manager to lead end-to-end credit assessment for corporate clients in the Mid-Market segment, underwriting new proposals, and conducting annual reviews.

The role involves risk mitigation, structuring facilities (fund-based and non-fund based), portfolio monitoring for EWS, and coordinating with RMs, Sales, and legal teams to ensure compliant, timely credit decisions.

Qualifikationen

• Strong ability to interpret complex financial data and market trends.
• Excellent verbal and written communication skills for deal presentation and stakeholder management.
• Experience in Corporate/Wholesale Credit (Mid-Market or SME segments) is preferred.

Aufgaben

• Credit Underwriting & Analysis: conduct deep-dive financial statement analyses and prepare CAMs.
• Risk Management & Portfolio Monitoring: identify risks, monitor portfolio health, ensure RBI/KYC compliance.
• Stakeholder Coordination: coordinate with RMs, Sales, Sanctioning Committee, and Legal/Tech teams for documentation.

Kenntnisse

Analytical Prowess

Communication

Ausbildung

CA

MBA Finance

CFA

Tools

MS Excel

Internal banking software

Jobbeschreibung

Role & responsibilities

The Credit Manager is responsible for the end-to-end credit assessment of corporate clients within the Mid-Market segment.This includes underwriting new proposals, conducting annual reviews, and ensuring the health of the wholesale banking portfolio through rigorous financial analysis and risk mitigation.

Key Responsibilities1. Credit Underwriting & Analysis

• Credit Appraisal:Conduct a deep-dive analysis of financial statements (P&L, Balance Sheet, Cash Flows) and prepare detailed Credit Appraisal Memos (CAM).
• Due Diligence:Evaluate the business model, industry dynamics, promoter background, and market standing of the borrower.
• Structuring:Design appropriate credit structures including Fund-based(Working Capital, Term Loans) and Non-fund based(Letter of Credit, Bank Guarantees) facilities.

2. Risk Management & Portfolio Monitoring

• Risk Assessment:Identify potential credit risks and suggest mitigants in alignment with the banks Credit Policy.
• Portfolio Health:Regularly monitor the existing portfolio to identify early warning signals (EWS) and ensure timely interest servicing and account churning.
• Compliance:Adhere strictly to RBI regulations, KYC norms, and internal audit standards.

3. Stakeholder Coordination

• Relationship Management:Coordinate with Relationship Managers (RMs) and the Sales team to understand client needs and gather necessary documentation.
• Approval Process:Present and defend credit proposals to the Sanctioning Committeeor higher approving authorities.
• Operations & Legal:Liaise with the Legal and Technical teams for collateral evaluation and documentation.

Required Skills & Qualifications

• Education:Typically a Chartered Accountant (CA), MBA (Finance) from a premier institute, or CFA.
• Experience:4–8 years of experience in Corporate/Wholesale Credit (specifically Mid-Market or SME segments).
• Analytical Prowess:Strong ability to interpret complex financial data and market trends.
• Communication:Excellent verbal and written communication skills for deal presentation and stakeholder management.
• Tools:Proficiency in MS Excel (for financial modeling) and internal banking software