The Credit Manager is responsible for the end-to-end credit assessment of corporate clients within the Mid-Market segment. This includes underwriting new proposals, conducting annual reviews, and ensuring the health of the wholesale banking portfolio through rigorous financial analysis and risk mitigation.Key Responsibilities1. Credit Underwriting & Analysis
- Credit Appraisal: Conduct a deep-dive analysis of financial statements (P&L;, Balance Sheet, Cash Flows) and prepare detailed Credit Appraisal Memos (CAM).
- Due Diligence: Evaluate the business model, industry dynamics, promoter background, and market standing of the borrower.
- Structuring: Design appropriate credit structures including Fund-based (Working Capital, Term Loans) and Non-fund based (Letter of Credit, Bank Guarantees) facilities.
2. Risk Management & Portfolio Monitoring
- Risk Assessment: Identify potential credit risks and suggest mitigants in alignment with the banks Credit Policy.
- Portfolio Health: Regularly monitor the existing portfolio to identify early warning signals (EWS) and ensure timely interest servicing and account churning.
- Compliance:
Adhere strictly to RBI regulations, KYC norms, and internal audit standards.
3. Stakeholder Coordination
- Relationship Management: Coordinate with Relationship Managers (RMs) and the Sales team to understand client needs and gather necessary documentation.
- Approval Process: Present and defend credit proposals to the Sanctioning Committee or higher approving authorities.
- Operations & Legal: Liaise with the Legal and Technical teams for collateral evaluation and documentation.
Required Skills & Qualifications
- Education: Typically a Chartered Accountant (CA), MBA (Finance) from a premier institute, or CFA.
- Experience: 4–8 years of experience in Corporate/Wholesale Credit (specifically Mid-Market or SME segments).
- Analytical Prowess: Robust ability to interpret complex financial data and market trends.
- Communication: Excellent verbal and written communication skills for deal presentation and stakeholder management.
- Tools: Proficiency in MS Excel (for financial modeling) and internal banking software