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 (India)
🏢 Yes Bank
📍 India