Role: Senior Credit Manager

BU: Credit Risk Management

SBU: Small Enterprises Business Risk

Clients' Turnover: Up to 200 Crores

Ticket Size: 10 to 50 Crores

ROLE SUMMARY

- Ensure quality Appraisal of credit for worthy borrowers.
- Ensure timely credit and transaction approvals for delegation under self.
- Managing loan portfolio with respect to credit rating/quality.
- Identify de risk account / AL accounts.
- Monitoring of Team TAT and Productivity.
- Ensuring adherence to the credit policy and process.
- Review of Delinquency
- Review exceptions and approval for knocking.
- Revert on the Hind sight and Internal audit observations

KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Strategic/ Managerial Responsibilities

- Ensuring Credit appraisals are done within TAT
- Ensuring adherence to the credit policy and process.

Core Responsibilities

- Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM
- Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet




- Timely completion of credit appraisals / renewals/PSMs with effective structures
- Customer Meetings and Discussion along with factory/ Unit visit where ever required.
- Timely closure of exceptions & managing limit/facility overdue.
- Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system so as to take corrective action
- Interaction with various stakeholders (internal and external) for review of such customers
- Carry out internal rating of customers and assign/review rating
- Maintain/monitor Credit Hygiene

People Management or Self-Management Responsibilities

- Timely/ effective closure of transaction requests. Minimal CAM over dues.
- Timely closure of exceptions & managing limit/facility overdue.

Risk and Internal Control Responsibilities

- Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management

📌 Senior Credit Manager @ YES Bank, Mumbai (Maharashtra)
🏢 Yes Bank
📍 Maharashtra