Sr Credit Manager - CV & CE| Chennai

About the role

To evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks. The role contributes to prudent lending and sustainable portfolio growth. Appraise CV & CE loan proposals, conduct detailed credit and risk assessment, scrutinize customer, financial and collateral documents, and recommend/sanction proposals within defined TAT and delegated authority.

What you'll do

• Evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks
• Conduct customer interactions, personal discussions, field visits, and due diligence to assess repayment capacity, business viability, and creditworthiness
• Ensure adherence to the Bank's credit policies, underwriting standards, regulatory guidelines, and risk management framework
• Monitor portfolio performance, delinquency trends, credit losses, and early warning signals, and recommend corrective actions to maintain portfolio quality
• Review loan documentation and credit conditions to ensure compliance prior to disbursement and throughout the loan lifecycle

What you need

• 5–12 yrs of experience
• Portfolio management
• Underwriting
• Loan processing
• MIS reporting
• Credit risk
• Risk management
• Chartered Accountant or MBA

Good to have

• Due diligence