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
Positive understanding of all the working capital products

📌 Credit Manager Team Handling Lucknow
🏢 Intellectual Capital HR Consulting
📍 Lucknow