Role & responsibilities

The Credit Manager is responsible for the end-to-end credit assessment of corporate clients within the Mid-Market segment. This includes underwriting current 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.
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.
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

📌 Credit Manager Mid Market Delhi Gurugram (India)
🏢 Intellectual Capital HR Consulting
📍 India