Federal Bank/ Credit Manager/ Delhi

Job Description:

Key Responsibilities

• Conduct end-to-end credit appraisal for Mid and Large Corporate borrowers.
• Analyze audited financial statements, cash flows, CMA data, banking conduct, and business performance.
• Assess working capital requirements and recommend suitable credit structures.
• Evaluate fund-based and non-fund-based credit facilities.
• Prepare detailed Credit Appraisal Memos (CAM) and present recommendations to the sanctioning authority.
• Perform financial ratio analysis, industry analysis, and borrower risk assessment.
• Evaluate repayment capacity, debt servicing ability, and overall creditworthiness.
• Assess and validate collateral/security offered for secured lending proposals.
• Review legal, valuation, technical, and due diligence reports.
• Coordinate with Relationship Managers, Legal, Risk, Operations, and Credit Administration teams for timely sanction and disbursement.
• Ensure compliance with RBI guidelines, internal credit policies, and regulatory requirements.
• Monitor existing credit exposures through annual reviews, renewals, covenant monitoring, and early warning signal identification.
• Support portfolio quality by identifying credit risks and recommending suitable mitigation measures.

Products Handled

Fund-Based Facilities

• Cash Credit (CC)
• Overdraft (OD)
• Working Capital Demand Loan (WCDL)
• Term Loans
• Export Packing Credit (PCFC)
• Bill Discounting

Non-Fund-Based Facilities

• Letter of Credit (LC)
• Bank Guarantee (BG)
• Standby Letter of Credit (SBLC)

Eligibility Criteria

Education

• CA (Chartered Accountant) or
• MBA (Finance) / PGDM (Finance)

Experience

• Minimum 3 - 4 years of experience in Corporate Credit.
• Experience in Mid and Large Corporate Banking is mandatory.
• Strong experience in Working Capital Finance and Secured Lending.
• Experience in Banks or NBFCs is preferred.