A credit manager in a business banking group is responsible for evaluating customers' creditworthiness, managing the loan process, and ensuring compliance with credit policies:
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Credit assessment
Evaluate customers' creditworthiness and proposals for business loans, home loans, and other financial products
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Loan management
Manage the loan process from application to disbursement, including monitoring loan payments and repayment capacity
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Policy compliance
Ensure compliance with credit policies and risk appetite criteria, and review and update the company's credit policy when necessary
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Portfolio management
Monitor the portfolio, including delinquency control and trigger reviews
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Risk management
Identify risks and opportunities, and negotiate loan terms to mitigate credit risk
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Collaboration
Work with internal teams, such as legal, technical valuation, and risk containment, as well as external stakeholders, such as banks and rating agencies
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Market awareness
Keep track of market factors, indices, policies, and regulations, and identify their impact on the credit portfolio