Credit Manager – Secured

JOB
DESCRIPTION

1.       JD Code

Credit Manager

2.       Job Title

Credit Manager

3.       Department

Credit

4.       Sub Dept/ Section

Credit

5.       Branch/ Office/Location

6.       Zone/ Region/ Area

7.       Level

8.       Grade/Band

9.       CTC (Min-Max)

Up to 8 Lakhs

10.   CTC – Other Benefits/ Entitlement

As per Company policy
(Local Conveyance)

11.   Reporting To

Area Credit Manager

12.   Reportees

Nil

13.   Age – Minimum

25 years

14.   Age – Maximum

45 years

15.   Qualification – Desired (including
specialization required, if any)

Graduation / Post Graduation. MBA / CA will be an
added advantage.

16.   Qualification-Minimum

Graduation.

17.   Type of Experience (industry)

Credit

18.   Experience – Years (min/ max)

2 – 5 Years

19.   Team Managing Experience in Years –
Desired

–

20.   Team Managing Experience in Years (minimum)

–

21.   Functional Linkages-internal

·        
Credit
Vertical

·        
FCU /
Audit

·        
Centralized
operations department

·        
HR
teams

·        
Legal
& Technical

·        
Branch
service delivery team

·        
IT
support team

·        
Corporate
office team

22.   Functional Linkages-External

·        
Collection & FCU Agency

23.   Travelling Requirement (0%,10-20%,
20-30%, 30-50%, 50-70%, >70% etc)

·        
Require
extensive travelling within own Area – 75%

24.   Proficiency in Computer/ Tech

·        
Ability
to learn use of Bank’s internal software

25.   Overall purpose of the job

A Credit Manager
acts as the primary gatekeeper of the bank’s asset quality. The core of this
role is to facilitate lending by rigorously assessing a client’s
creditworthiness and ensuring all regulatory and internal paperwork is
processed accurately.

By evaluating
financial data and calculating risk ratios, the Credit Manager ensures that
every loan approved aligns with the bank’s risk appetite while supporting
business growth.

1.      
Key
Performance Areas

Sourcing

Ø  File checking for document sufficiency
as per the policy.

Ø  Feedback the upfront discrepancies to
the sales team.

Ø  Create the file on processing system /
tracking systems.

Ø  Handling credit tools such as CAM.

Ø  Doing reference check, Cash flow
analysis & Doing collateral verification

Ø  Analyzing Credit worthiness of the
Customers on the basis of Banking, Salary Slips and other income docs.

Ø  Calculation of Debt burden and
analyzing Credit worthiness of the Customers on the basis of previous Track
records

Ø  Preparation of Credit Appraisal Memo
& forwarding the same case once it’s cleared to Cluster Manager

Ø  Maintaining TAT for approval

Pre and Post disbursement

Ø  Verification of the Post Approval
Documentation along with any Subject to Condition Approval requirements.

Ø  Ensure the completion of Risk Screening
(FCU) process for all files

Ø  Post Disbursal Documentation

Ø  End Use Verification

Ø  Maintain audit and compliance.

Ø  Responsible for collection.

2.      
Competencies Required

(a)    Credit

(b)    Legal

(c)     Technical

(d)    Collections 

3.      
Personal Attributes

(a)   
Systematic

(b)   
Honesty, Loyalty

(c)    
Positive attitude with
leadership quality.

(d)   
Self-driven, who can walk that
extra mile to achieve the target

4.      
Equipment/ Facilities to be Provided by
Bank

(a)   
Work Station

(b)   
Mobile / SIM as per policy

(c)    
Laptop

5.      
Any other Requirement

·        
Able bodied and healthy person,
who can undertake travel extensively.