Credit Manager
- ICICI Bank
- 3 - 8 years
- Mumbai
- 6 months ago
- Email to a friend
- Report this job
Job Description
About Credit and Policy Group:
Credit and Policy Group is an integral function of the bank and isresponsible for credit underwriting of customers across Retail and BusinessBanking with a focus of 360 degree Banking. We have adopted an organisational modelthat will intensify our unified approach, to provide a holistic bankingexperience to our customer. The incumbent works closely with the Sales &Relationship teams to on-board value customers for the Bank. The role has asignificant contribution towards capturing opportunities across customersegments.
Role of a Credit Manager
The incumbent is responsible for credit underwriting of customers acrossindividual, business banking and rural ecosystems with a focus on 360 degreeBanking. Through a superior service, delivery and transaction experience forcustomers, the Credit Manager gets an opportunity to capture the diverse 360degree banking needs and offers solutions accordingly. The incumbent worksclosely with the Sales & Relationship teams to onboard value customers forthe Bank. The role has a significant contribution towards capturingopportunities across customer segments.
Primary job duties/responsibilitiesUndertake a comprehensive 360 Banking assessment of customers and offer rightBanking solutions
Undertake a thorough and comprehensive single window credit assessment process,which can serve as the enabler to offer right loan products to customers
Undertake the credit assessment process within defined turn-around-time (TAT)
Focus on delivering best in class service and transaction experience tocustomers in every engagement
Consider key market nuances in the credit underwriting process
Undertake comprehensive opportunity capturing while conducting creditassessment
Keep a focus on creating high quality portfolio
Manage the complete life-cycle of loan process, through credit application tilldisbursement
Keep a track of market factors, indices, policies and regulations and identifythe impact on credit portfolio and decisioning
Ensure post disbursement documents and covenant management
Work closely with internal teams such as legal, technical valuation, filedinvestigation, risk containment amongst others
Monitor loan utilization, repayment capacity, adherence to policy/guidelinesand loan covenants and other critical process and compliance checksEducational Qualifications: Candidate should have a Graduate degree with professional qualification ofChartered Accountancy, ICWAI or CFA. Alternatively, should be aCA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should haveGraduate, Post-Graduate degree from a Premier institution preferably inEconomics / Commerce / Business Administration or Finance with min 3 years ofexperience.
Experience:Experience in credit underwriting, credit appraisal, finance, risk, audit willbe preferred
Should have an analytical bend of mind
Basic knowledge of financing and financial statement
Collaborative and orientation to work in cross functional teams
Should have an orientation to learn
Conceptual understanding of risk and risk mitigation strategies
Basic Orientation for business and analytical acumen
Basic understanding of financial analysis, balance sheet and profit and lossaccounts
Ability to assess impact of policies, rules and regulations on portfolio
Strong communication (both oral and written) and negotiation skills
Attention to detail
Exposure to analytics would be an added advantage
Ability to articulate own point of view
Job Classification
Industry: BankingFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Credit ManagerEmployement Type: Full timeContact Details:
Company: ICICI BankLocation(s): Mumbai
Keyskills: credit underwriting credit management auditing credit appraisal finance financial analysis risk management balance sheet credit analysis credit risk sales disbursement business banking underwriting icwa credit assessment financing home loans lap ca
Similar positions
Job Listings
We are in open beta version of website, please let us know if any issues, at: info(at)indigojobs.in