Credit Manager - Credit Analysis, Credit Appraisal, Credit Underwriting

Purpose of the Role

The Credit Manager will be responsible for evaluating and managing credit risks associated with SME and mid-corporate clients. This position plays a pivotal role in ensuring that lending practices are aligned with the organization's risk management policies while also facilitating informed decision-making regarding credit approvals.

Scope of Work

• Conduct in-depth analyses and appraisals of credit applications for SME and mid-corporate entities, ensuring comprehensive risk assessment.
• Review financial statements, credit reports, and other pertinent documents to accurately gauge the creditworthiness of potential borrowers.
• Formulate and enforce credit policies and procedures aimed at optimizing the efficiency of the credit evaluation process.
• Collaborate closely with sales and relationship management teams to align client requirements with appropriate credit offerings.
• Oversee the monitoring of the credit portfolio to mitigate risk exposure and ensure adherence to regulatory standards.
• Prepare analytical reports and presentations for senior management, summarizing findings from credit assessments and portfolio performance metrics.

Candidate Requirements

• Extensive knowledge in credit analysis, appraisal, and underwriting methodologies.
• Familiarity with the nuances of SME banking, wholesale banking, and corporate banking frameworks.
• Strong analytical acumen complemented by effective problem-solving capabilities.
• Excellent verbal and written communication skills, enabling productive interactions with clients and internal stakeholders.
• Competence in managing high-pressure situations while maintaining meticulous attention to detail.