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Credit Manager Full-time Job

1 month ago Small Finance Banks Navi Mumbai   44 views
Job Details

Greetings from Utkarsh Small Finance Bank.

Designation : Credit Manager

Product - HL & LAP/Working Capital Products

Minimum Qualification : Graduate

Experience : 2-5 Years

Key Roles and Responsibilities:

  • Evaluation of Proposals put up for recommendation / approval as per credit policy.
  • Customer visit and discussions to assess the loan requirement.
  • Customer business and income assessment.
  • Understanding the business thoroughly for self-employed non-professional profiles.
  • Ascertaining and Validating the revenue streams and expenditure of the business.
  • Should be able to see through the potential risks of the proposal.
  • Should have ability to do due diligence without sufficient and formal documents / data.
  • Files Checking as per Credit Policy.
  • Risk Analysis related to case & Client.
  • Maintaining quality of credit information, underwriting standards and presentation.
  • PDD and Portfolio Management.
  • Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
  • Handling Disbursement officers for process.
  • Accuracy of work and timeline adherence.

Desired Candidate Profile:

  • Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/Working Capital Products)
  • Understanding of local business and micro economy
  • Keen understanding and focus on risk, controls, compliance and regulatory framework
  • Strong analytical & communication skills (written & verbal)
  • Ability to build, coach and mentor high performance oriented teams
  • Should have good knowledge of Risk Related to Business.
  • Good client servicing skills.
  • Good financial analytical skills, communication skills.

Compensation:

  1. As per the last drawn salary + performance based attractive incentives.

  2. Interested candidates to send the CV at santosh.maharana@utkarsh.bank
Experience (In Years)

1-5 Years

Higher Qualification

Any Graduate in Any Specialization

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Company Description
Utkarsh Small Finance Bank Limited, formerly known as Utkarsh Micro Finance Private Limited, is an Indian scheduled commercial bank licensed by the Reserve Bank of India under the Banking Regulation Act, 1949.