Unit Head - Credit Admin Chennai

CSB Bank; Chennai District; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

CSB Bank in Chennai, Tamil Nadu, invites applications for the Unit Head – Credit Administration to lead the checker function for SME and Wholesale Banking portfolios, ensuring accurate verification of credit documentation and compliance with sanction terms.

You will mentor the team, drive risk management, coordinate with Legal, and ensure timely processing within service levels while upholding regulatory and internal policies.

Qualifications

• Experience of 10-15 years in credit administration.

Responsibilities

• Verify sanction letters, loan documents, security documents and mortgage creation documents for accuracy and compliance.
• Review executed documents and authorize limit setup as per policies and regulatory requirements.
• Coordinate with Legal to obtain guidance on document customization.
• Ensure pre-disbursement conditions and sanction terms are met before processing.
• Monitor post-disbursement compliance and close non-recurring items on time.
• Maintain accuracy and adherence to turnaround times in all credit administration activities.
• Identify and mitigate operational, documentation and compliance risks to protect the bank.
• Ensure adherence to laws, policies, risk frameworks and compliance requirements.
• Mentor and empower team members to achieve higher performance and productivity.
• Resolve stakeholder queries and coordinate with business, operations, legal and other teams.
• Review processes and suggest improvements in documentation, credit administration and onboarding.

Education

Graduation/ Post‑Graduation (Any specialization)

Job description

Job Description:

1. The Unit Head – Credit Administration is responsible for leading and overseeing the checker function within the Credit Administration team for SME and Wholesale Banking portfolios.
2. The role ensures accurate verification of credit documentation, compliance with approved sanction terms, adherence to regulatory and internal policies, effective risk management, and timely processing within defined service levels.
3. The incumbent will manage and mentor team members, drive operational excellence, and ensure alignment of team objectives with organizational goals.

Responsibilities

1. Verify sanction letters, loan documents, security documents, and mortgage creation documents to ensure accuracy, completeness, and compliance with approved credit terms.
2. Review executed documents and authorize limit setup instructions in accordance with the Banks policies, processes, and regulatory requirements.
3. Coordinate with the Legal Department to obtain guidance and support document customization requirements wherever necessary.
4. Ensure compliance with all pre-disbursement conditions and approved sanction terms before processing and authorization.
5. Monitor and drive timely closure of non-recurring post-disbursement compliance requirements in coordination with business teams.
6. Ensure all credit administration activities are processed accurately, error-free, and within the stipulated turnaround times (TATs).
7. Proactively identify, assess, and mitigate operational, documentation, and compliance-related risks to safeguard the Banks interests.
8. Ensure adherence to applicable laws, regulations, internal policies, risk frameworks, and compliance requirements.
9. Manage, mentor and empower team members to achieve high performance, productivity, and alignment with organizational objectives.
10. Drive timely resolution of stakeholder queries and ensure effective coordination with business, operations, legal, and other internal teams.
11. Review operational processes and recommend improvements in documentation, credit administration, and customer onboarding processes to enhance efficiency, control and customer experience.

Qualifications

Experience: 10 - 15 Years

Qualification:Graduation/ Post‑Graduation (Any specialization)

Requirements: