Credit Manager Team handling

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai invites a Credit Manager to oversee SME credit underwriting, risk assessment, and portfolio management, aligning credit decisions with business goals.

You will lead a small team, prepare appraisal notes, interact with sanctioning forums, and monitor accounts with regular reports. Strong communication, CA or MBA, and knowledge of working capital products are essential.

Qualifications

• CA/MBA with strong analytical ability.
• Excellent written and oral communication skills.
• Solid understanding of working capital products.

Responsibilities

• Prepare credit appraisal notes for SME clients.
• Analyze solvency, liquidity and repayment capacity.
• Present proposals to sanctioning forums per approvals.
• Interact with authorities to provide information for decisions.
• Renew accounts timely and enhance portfolio quality.
• Coordinate risk assessments with business teams.
• Lead 3–4 member team and monitor performance.
• Prepare monthly/quarterly portfolio monitoring reports.

Skills

Communication skills

Analytical skills

Working capital

Education

Chartered Accountant

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