Sr. Credit Manager-Wholesale Banking/Mumbai

Job Description:

• Credit Assessment and Approval:

  • Analyze and assess creditworthiness of customers applying for supply chain finance and inventory funding.
  • Review and evaluate financial statements, cash flows, bank statements, and market trends to determine customer risk profiles.
  • Conduct due diligence, including business and industry risk analysis, to evaluate creditworthiness and recommend approval, rejection, or modifications to credit applications.

• Portfolio Management:

  • Manage and monitor an assigned credit portfolio to ensure performance and compliance with bank policies.
  • Regularly review client financial performance, monitor credit limits, and assess inventory funding exposures.
  • Identify potential problem loans early, propose solutions, and manage delinquent accounts.

• Collaboration and Stakeholder Management:

  • Work closely with the sales and relationship management teams to understand client requirements and provide solutions.
  • Coordinate with risk, legal, and compliance teams to ensure adherence to regulatory and internal guidelines.
  • Assist the Regional Credit Head in portfolio reviews, regulatory reporting, and strategic initiatives.

• Credit Policy and Compliance:

  • Ensure credit evaluations align with bank credit policies, industry standards, and risk appetite.
  • Maintain accurate and up-to-date documentation, including financial statements, credit memos, and approval notes.
  • Support audits, both internal and external, by providing documentation and insights on portfolio quality.

• Product Knowledge and Market Insights:

  • Stay updated on market trends, regulatory changes, and developments in supply chain finance and inventory funding.
  • Leverage industry insights to adjust risk assessment models and refine credit decision-making criteria.

• Team Development and Training:

  • Provide guidance and support to junior credit analysts or team members, sharing knowledge on best practices and risk management.
  • Conduct periodic training sessions on new credit assessment techniques, product knowledge, and regulatory changes.