RC - Area Credit Manager - CV/CE - Retail Credit

About Retail Credit The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Area Credit Manager – CV/CE manages the credit activities and processes for Commercial Vehicle and Construction Equipment products under Retail Credit for the Region assigned to him. The Area Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank. Key Responsibilities · Manage a team of 2 to 4 CPC Credit Underwriters – CV/CE · Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time as defined by the Bank · Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency · Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. · Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio · Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions · Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives · Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme Qualifications Optimal qualification for success on the job is: · Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute · Experience of over 5 to 7 years in assessing credit of Commercial Vehicle and Construction Equipment Product