Credit Manager_Working Capital-Credit_Gujarat
Core
Lead a team of credit professionals in underwriting and managing proposals for Working Capital Finance, including fund and non-fund based products.
Role type
Senior IC credit manager (working capital)
Builds
Working Capital Finance proposals and credit decisions
Domain
Banking / Financial Services / Real Estate
Required skills
Team leadership, Underwriting, Financial analysis, Property valuation, Legal title verification, Portfolio monitoring, Cross-functional coordination, Policy implementation, Mentoring, Deal structuring
Responsibilities
Manage a team of Credit Managers and oversee underwriting activities. Underwrite and prepare proposals for Working Capital Finance (fund and non-fund based). Conduct customer visits for personal discussions and deal structuring. Monitor portfolio quality through regular review of monitoring reports. Evaluate proposals for Home Loans and Loan Against Property. Make credit decisions within defined turnaround times (TAT). Understand property-related aspects such as legal title and market value. Coordinate with sales, operations, legal, technical, and customer service teams. Implement head office and local credit policies at the ground level. Mentor CPAs and monitor their productivity and output quality.