To evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks. The role contributes to prudent lending and sustainable portfolio growth.

Responsibilities

• Appraise CV & CE loan proposals, conduct detailed credit and risk assessment, scrutinize customer, financial and collateral documents, and recommend/sanction proposals within defined TAT and delegated authority.
• Conduct customer interactions, personal discussions, field visits, and due diligence to assess repayment capacity, business viability, and creditworthiness.
• Ensure adherence to the Bank's credit policies, underwriting standards, regulatory guidelines, and risk management framework.
• Monitor portfolio performance, delinquency trends, credit losses, and early warning signals, and recommend corrective actions to maintain portfolio quality.




• Review loan documentation and credit conditions to ensure compliance prior to disbursement and throughout the loan lifecycle.
• Prepare, review, and monitor credit MIS, portfolio reports, exception reports, and risk indicators for effective portfolio management.
• Support and guide business teams on credit policies, underwriting norms, risk assessment, and policy changes through regular training and engagement.
• Identify process, policy, and control gaps and recommend improvements to strengthen credit quality, operational efficiency, and risk controls.
• Collaborate with Business, Operations, Collections, Legal, and Risk teams to ensure effective credit decision-making and portfolio management.
• Undertake other credit risk management and portfolio monitoring responsibilities as assigned by the Head of Credit.

Qualifications

Experience Range : 5 to 12 years
Qualifications:
CA/ MBA Finance

📌 Sr Credit Manager (Ahmedabad)
🏢 CSB Bank
📍 Ahmedabad