Credit Manager for Working Capital

Responsible for evaluating and managing the creditworthiness of potential
business borrowers, assessing risks, and ensuring compliance with company credit
policies.

They analyze financial information, monitor loan performance, and manage
collections, ultimately minimizing financial risk and maximizing profitability
for the lending institution.

Key Responsibilities:
Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other
relevant documents to assess a business's creditworthiness.
Risk Analysis:

Identifying potential risks associated with lending to specific businesses,
evaluating their ability to repay loans, and determining appropriate loan
terms.
Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence
to company policies.
Credit Limit Determination:

Setting appropriate credit limits for approved loans, ensuring they align with
the borrower's financial capacity and risk profile.
Interest Rate Determination:





Determining interest rates for loans based on factors like credit risk, market
conditions, and company policies.
Loan Documentation:

Ensuring the accuracy and completeness of all loan documentation, including loan
agreements, security documents, and other relevant paperwork.
Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early
warning signs of potential defaults, and taking necessary actions to mitigate
risks.
Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales
and relationship management teams, as well as external stakeholders, such as
borrowers and industry specialists.
Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics
for management and other stakeholders.
Qualification : CA/MBA wil relevant work experience

📌 Area Credit Manager Working Capital Credit New Delhi
🏢 Kotak
📍 New Delhi