Job Description

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End-to-End Credit Approval:

• Support and partner with business teams to manage the entire credit approval process within the designated region.

Credit Underwriting:

• Underwrite credit applications for corporate finance products across all customer segments.
• Present underwriting recommendations to senior-level management.
• Having deep understanding of various industries
• Suggest/Incorporate adequate transaction structures for mitigating Risks and maintain quality loan portfolio.

Deviations Authorization:

• Authorize deviations from credit policies when raised and documented by underwriters, ensuring compliance.

Credit Memo Review:

• Finalize the review of credit memos prepared by underwriters.
• Approve or decline credit applications, considering documentation requests.

Disbursement Approvals:

• Approve disbursement requests based on adherence to sanctioned conditions and ensuring appropriate documentation.

Vendor Follow-up:

• Oversee and initiate follow-ups with external vendors to resolve queries, ensure timely report submission, and eliminate delays.

Business Insights:

• Collaborate with the recoveries team to generate business insights from credit data and portfolio performance.

Team Leadership:

• Lead and manage a team of credit manager to ensure quality of credit portfolio and minimize delinquencies.
• Provide training and coaching to enhance team's competency and processing efficiency.

Portfolio Monitoring

• Identification of Early warning signals to earmark stress accounts and initiation of exit from stress accounts
• Proactive monitoring of portfolio for control over credit costs.
• Presentation of Regional portfolio including cuts to Senior Management

Strategic Initiatives and Credit Program Development:

• Engage in the development, implementation, review, and monitoring of various credit programs to support business growth.
• Participate actively in development and adoption of digital processes and automation.
• Conducting portfolio reviews including Sector Specific Reviews

Travel and Branch Oversight:

• Extensively travel within the region to oversee branches under the designated territory.
• Provide guidance to the team and ensure the quality of the portfolio.

Compliance:
Ensure strict compliance with all audit, regulatory, and company regulations, processes, policies, and reporting systems

Skills Required