Credit Manager - Chartered Accountant (CA)

**Role & responsibilities** **Credit Assessment & Analysis** - Analyze financial statements, cash flows, banking behavior, and credit history of Business Banking customers. - Conduct detailed appraisal of working capital, term loan, and other credit facilities. - Assess borrower repayment capacity and identify potential credit risks. - Prepare comprehensive credit appraisal notes and recommendations for approval. **Risk Evaluation** - Evaluate industry, market, operational, and management risks associated with borrowers. - Review collateral security, valuation reports, and legal documentation. - Identify early warning signals and recommend appropriate risk mitigation measures. - Ensure compliance with internal credit policies and regulatory guidelines. **Portfolio Management** - Monitor the performance of assigned credit portfolio. - Track covenant compliance and submission of financial information by borrowers. - Coordinate with Relationship Managers for periodic account reviews and renewals. - Support portfolio quality through proactive risk monitoring and account reviews. **Stakeholder Coordination** - Work closely with Relationship Managers, Credit Managers, Legal, Operations, and Risk teams. - Assist business teams in structuring lending solutions aligned with customer requirements and risk appetite. - Provide credit-related support during customer meetings and discussions when required. **Documentation & Compliance** - Ensure completeness and accuracy of credit documentation. - Maintain adherence to regulatory, audit, and internal compliance requirements. - Support internal and external audits related to credit processes.