Credit Manager- Construction Finance - Bangalore

Job Description:

• Evaluating Creditworthiness:

  Analyzing financial statements (balance sheets, profit & loss, cash flow statements), assessing credit history, and using credit scoring models to determine the likelihood of loan repayment. 

   
• Managing Credit Risk:

  Developing and implementing credit policies and strategies, monitoring portfolio performance, identifying and mitigating potential risks, and ensuring compliance with regulations. 

   
• Approving Loans:

  Making decisions on loan applications based on creditworthiness assessments, adhering to company policies and guidelines, and ensuring proper documentation. 

   
• Monitoring Loan Performance:

  Tracking loan disbursements, ensuring timely payments, managing collections, and addressing any deviations or delinquencies. 

   
• Liaising with Stakeholders:

  Coordinating with business development teams, legal departments, technical teams, and external agencies like lawyers and valuers. 

   
• Developing Credit Policies:

  Creating and updating credit policies and procedures, ensuring they are aligned with business strategies and risk frameworks. 

   
• Team Management:

  In some cases, managing a team of credit analysts or other professionals, providing guidance and training. 

   
• Compliance:

  Ensuring compliance with all relevant regulations and internal policies, participating in audits, and maintaining accurate records. 

   
• Business Development:

  Identifying potential business opportunities and contributing to the growth of the organization's construction finance portfolio.