Credit Manager - Midmarket & NBFC| Thrissur

About the role

The role requires independent judgment in assessing creditworthiness, evaluating business and financial risks, recommending lending decisions, monitoring portfolio quality and ensuring compliance with the Bank's credit policies and regulatory frameworks. Independently analyse and evaluate credit proposals and assess the risk of adding a transaction to the Bank's loan portfolio.

What you'll do

• Evaluate credit proposals and borrower profiles through financial analysis, customer due diligence and risk assessment
• Identify additional information requirements and conduct detailed due diligence to appropriately assess transaction risks
• Review and analyse financial statements, cash flows, leverage, and key credit metrics to assess the customer's creditworthiness
• Prepare credit assessments, identify key risks, and recommend credit decisions in line with the Bank's credit policy
• Ensure credit facilities are appropriately rated, graded, and comply with internal policies and regulatory requirements

What you need

• 5–7 yrs of experience
• Financial analysis
• Underwriting
• KYC
• Financial statements
• Cash flow
• Compliance
• Chartered Accountant or MBA

Good to have

• Due diligence