Job Title
Credit Manager - WCG-ECG
Business Unit
Wholesale Credit Risk
Reporting To
Vertical Head / Unit Head
Job Function and Role Type
Credit, Individual Contributor, Travel Required
Version No
2.0
Job Purpose
Assess, evaluate, review, and approve credit proposals for wholesale banking relationships involving various products. Own assigned portfolio, monitor accounts, and ensure regulatory compliance in credit dispensation and monitoring.
Key Responsibilities
Appraisal of Proposal
Review credit proposals and assess credit and risk comprehensively.
Convey clear opinions on transaction acceptability covering business model, industry risk, and regulations.
Ensure completeness and accuracy of CAMs and adherence to credit policy.
Portfolio Monitoring
Monitor accounts and track industry developments to identify stress early.
Devise and implement risk reduction strategies for stressed accounts.
Conduct periodic reviews with business teams and address early warning signals.
Partner with teams to review end-use monitoring and address regulatory/audit issues.
TAT
Maintain defined credit and end-to-end TATs to ensure timely service delivery.
Education:
MBA, CA, FRM, CFA.
Certifications:
None explicitly mentioned.
Key Competencies
Technical and analytical skills, communication and negotiation skills, financial statement analysis, banking product knowledge, regulatory knowledge.
Major Stakeholders
Customers, Relationship Team, CAD, Policy Team, Audit, Legal, Compliance, Operations, Trade Finance.
