Role & responsibilities

Role : Credit Manager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

- Preparation of Credit Appraisal notes for SME.

- Ticket Size Handled would be up to 1 to 100 CR.
- Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
- As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
- To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
- Manage and ensure timely renewal of accounts and enhancement of portfolio




- To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
- Team Handling 3 – 4 people
- Discuss with business on Terms and Conditions for risk assessments
- Discuss with customers for obtention of information for preparation of CRANs.
- Monitor the accounts based on the terms stipulated by Sanctioning Authority.
- Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
- Escalate with action plan for non compliances.
- Visit the units and submit inspection reports.
- Manage and address any escalations related to risk assessments

Job Requirements:

- Excellent written and oral communication skills

- Chartered Accountant/ MBA.
- Valuable analytical skills
- Good understanding of all the working capital products

📌 Credit Manager Team handling (Lucknow)
🏢 Intellectual Capital HR Consulting
📍 Lucknow