Assesses applicant creditworthiness using financial statements, credit reports, ratios, cash flows, and collateral values. Evaluates loan requests, sets credit limits and terms, monitors early delinquency, and ensures compliance with credit policies and regulations. Manages high-volume underwriting cases, maintains client and cross-functional relationships, uses credit analysis software and Microsoft Office, and mentors CPAs while monitoring productivity and output quality.
Job Description Credit Manager
- Ability to assess the creditworthiness of applicants by analysing financial statements, credit reports, and other relevant information.
- Conduct thorough risk assessments to determine the viability of loan requests. Evaluate and interpret financial ratios, cash flows, and collateral values to make informed credit decisions.
- Familiarity with regulatory frameworks and compliance requirements related to credit operations.
- Manage and mitigate credit risk by setting appropriate credit limits, terms, and conditions
- Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and Cross functional teams , necessary to understand their Loan Requirements and provide suitable credit solutions.
- Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels.
- Attention to detail and ability to handle high-volume work, meet deadlines, and manage multiple cases concurrently.
- Proficiency in using credit analysis software and Microsoft Office applications like Excel / Outlook.
- Being a team player while assisting the team in implementing HO & local policies at ground level.
- Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels.
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What you need to know about the Pune Tech Scene
Once a far-out concept, AI is now a tangible force reshaping industries and economies worldwide. While its adoption will automate some roles, AI has created more jobs than it has displaced, with an expected 97 million new roles to be created in the coming years. This is especially true in cities like Pune, which is emerging as a hub for companies eager to leverage this technology to develop solutions that simplify and improve lives in sectors such as education, healthcare, finance, e-commerce and more.
