Credit Manager Team handling

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in India seeks a Credit Manager for the SME desk to drive credit appraisal processes and risk assessment.

You will prepare notes, present to sanctioning committees, interact with authorities, and ensure timely portfolio renewal while maintaining policy adherence. Leadership of 3-4 team members and strong communication are essential for success.

Qualifications

• Excellent written and oral communication skills.
• Strong analytical abilities and attention to detail.
• Solid understanding of working capital products.

Responsibilities

• Prepare credit appraisal notes for SME clients.
• Handle ticket sizes up to 1 to 100 CR.
• Conduct financial analysis to assess solvency, liquidity and repayment capacity.
• Present proposals to sanctioning forums and obtain approvals.
• Interact with approving authorities to aid decision making and provide independent risk views.
• Manage portfolio renewal, monitoring and escalations.

Skills

Communication

Analytical skills

Working capital products

Education

Chartered Accountant (CA)

MBA

Job description

Role & responsibilities

Role : Credit Manager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

• Preparation of Credit Appraisal notes forSME.
• Ticket Size Handled would be up to 1 to 100 CR.
• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
• As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
• Manage and ensure timely renewal of accounts and enhancement of portfolio
• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the businessteams.
• TeamHandling3 – 4 people
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with action plan for non compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

Job Requirements:

• Excellent written and oral communication skills
• Chartered Accountant/ MBA.
• Good analytical skills
• Good understanding of all the working capital products