Credit Manager-SME & Business Banking

Job Requirements

Job Role: Credit Manager - SME & business banking

Job Function: Retail banking

Job Purpose: The Credit Manager is responsible for managing a team and coordinating with the sales team to achieve the assigned area targets. This role involves direct interaction with customers to assess their creditworthiness, ensuring completion of verifications, and adhering to the companys credit policy. The Credit Manager must balance sales support with risk aversion, contributing to the broader organizational objectives of the bank.

Key Roles and Responsibilities

• Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and manage business volumes.
• Supervise a team of credit underwriters and provide necessary guidelines.
• Conduct personal discussions with customers to assess creditworthiness.
• Control and reduce front-end delinquencies by contacting customers upon first presentation.
• Ensure completion of credit and KYC documentation, including telephonic, field, and collateral verifications.
• Coordinate with the sales team to achieve targets and ensure SLA compliance.
• Ensure adherence to credit policies and standards.
• Support the sales team with credit-related queries and documentation.
• Assist in training and mentoring junior credit staff.
• Participate in audits and ensure compliance with internal and external regulations.

Education: Any Graduate

Experience: 2-5 years of relevant years of experience in credit underwriting.