Function

Objective The Credit Manager - Corporate Finance Credit will be responsible for assessing, analyzing, and managing credit risk for corporate finance proposals. This role involves evaluating the creditworthiness of corporate clients, structuring credit facilities, and ensuring adherence to credit policies and regulatory guidelines.

Key Responsibilities

- Conduct detailed credit appraisal of corporate finance proposals including project finance, term loans, and working capital finance.
- Analyze financial statements, business models, industry trends, and credit risks associated with corporate borrowers.
- Prepare credit proposals and presentations for approval by credit committees.
- Monitor the performance of sanctioned corporate loans and ensure timely identification and resolution of credit issues.
- Collaborate with relationship managers and legal teams to ensure proper documentation and compliance.
- Ensure adherence to internal credit policies, regulatory guidelines, and risk management frameworks.
- Provide inputs for credit policy updates and process improvements.
- Support periodic portfolio reviews and stress testing exercises.
- Liaise with auditors, rating agencies, and regulatory authorities as required.
- Mentor junior credit analysts and support team development.

Qualifications,



Experience and Skills

- Graduate/Postgraduate degree in Finance, Commerce, Business Administration, or related field.
- Skilled qualifications like CFA, CA, or MBA (Finance) are desirable.
- Minimum 6-8 years of experience in corporate credit appraisal, preferably in banking, NBFC, or housing finance sectors.
- Strong financial analysis, risk assessment, and credit structuring skills.
- Proficient in analyzing financial statements and understanding industry dynamics.
- Knowledge of regulatory frameworks governing corporate lending.
- Excellent report writing and communication skills.

Personal Attributes

- High level of integrity, ethics, and professionalism.
- Strong organizational and time-management skills.
- Ability to work independently, cross functional and manage multiple tasks simultaneously.
- Detail-oriented with a focus on accuracy and quality of work.
- Proactive in identifying and addressing issues before they become larger problems.

Competencies

Leading and Developing People

Result Orientation

Decision Making

Adaptability

Analytical Thinking

Effective Team Work

Customer Orientation

Effective Communication & Ability to influence

Process Orientation

📌 Credit Manager - Corporate Finance Credit (Pune)
🏢 PNB Housing
📍 Pune