Credit Manager (Working Capital) @ YES Bank, Noida

Job description

Role: Credit Manager BU: Credit Risk Management SBU: Small Enterprises Business Risk (SEB Risk) Clients' Turnover: Up to 150-200 Crores Ticket Size: 7.5 to 50 Crores Location: Max Towers, Noida Role Summary: • Ensure quality Appraisal of credit for worthy borrowers. • Ensure timely credit and transaction approvals for delegation under self. • Follow up with seniors for credit / transaction approvals. • Managing loan portfolio with respect to credit rating/quality. • Identify de risk account / AL accounts. • Monitoring of Team TAT and Productivity. • Ensuring adherence to the credit policy and process. • Review of Delinquency • Review exceptions and approval for knocking. • Respond on the Hind sight and Internal audit observations • Conduct monthly Regional Council Meetings with all the stakeholders. Core Responsibilities: • Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level • Monitoring of delinquency, exceptions , portfolio movement. • Maintaining data as required by the Senior Management