About this role
Job Summary**
The Credit Manager will be responsible for overseeing the credit assessment and risk management processes for the Ramachandrapuram branch, ensuring adherence to company policies and regulatory requirements.
Job Responsibilities**
* Manage and lead a team of credit analysts, providing guidance, training, and performance evaluations. * Develop, implement, and monitor credit policies and procedures to minimize credit risk while supporting business growth. * Conduct thorough credit analysis of loan applications, including financial statement analysis, cash flow projections, and collateral valuation. * Assess the creditworthiness of potential and existing customers, making informed decisions on loan approvals, denials, and terms. * Monitor portfolio performance, identify early warning signs of credit deterioration, and implement corrective actions. * Prepare and present credit reports and recommendations to senior management and credit committees. * Ensure compliance with all relevant banking regulations, internal policies, and credit guidelines. * Liaise with sales, operations, and legal departments to facilitate smooth credit operations and resolve credit-related issues. * Negotiate and structure complex credit facilities and repayment plans. * Maintain up-to-date knowledge of industry trends, economic conditions, and regulatory changes affecting credit risk management.
Job Qualifications**
* Bachelor's degree in Finance, Accounting, Business Administration, or a related field. MBA or relevant professional certification (e.g., FRM, CFA) preferred. * Minimum of 7-10 years of progressive experience in credit management, with at least 3 years in a leadership role within the banking or financial services sector. * Strong understanding of credit principles, financial analysis, risk assessment, and lending products. * Proven ability to analyze complex financial data and make sound credit decisions. * Excellent leadership, team management, and interpersonal skills. * Strong communication and presentation skills, both written and verbal. * Proficiency in credit risk management software and Microsoft Office Suite, especially Excel. * Thorough knowledge of regulatory requirements and compliance standards applicable to credit operations. * Demonstrated ability to work effectively under pressure and manage multiple priorities.