Credit Manager Mid Market Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Lucknow; Presencial; INR 1 500 000 - 2 700 000; Tempo integral

Resumo da oferta

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Manager to lead end-to-end credit assessment for mid-market corporate clients. You will underwrite, review, and mitigate risks through rigorous financial analysis and documentation.

The role requires CA/MBA/CFA with 4–8 years in corporate/wholesale credit, strong analytical skills, and excellent communication. Expect collaboration with RMs, Sales, Legal, and Sanctioning Committee to drive sound credit decisions.

Qualificações

• Education: Typically a Chartered Accountant (CA), MBA (Finance) from a premier institute, or CFA.
• Experience: 4–8 years of experience in Corporate/Wholesale Credit (Mid-Market or SME).
• 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.

Responsabilidades

• Underwrite new proposals and prepare CAMs by analyzing P&L, balance sheet, and cash flows.
• Evaluate borrower business model, industry dynamics, promoter background, and market standing.
• Design fund-based and non-fund based facilities (Working Capital, Term Loans; LC, Bank Guarantees).
• Identify credit risks and suggest mitigants per RBI policy and internal standards.
• Coordinate with RMs and Sales to gather documentation and present proposals to Sanctioning Committee.

Conhecimentos

Analytical Prowess

Communication

Formação académica

CA

MBA (Finance)

CFA

Ferramentas

MS Excel

Banking software

Descrição da oferta de emprego

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