Job RequirementsRole/ Job Title: Credit Manager - Wholesale BankingFunction/ Department: Wholesale Banking RiskJob Purpose:To manage and oversee the bank’s lending process within the wholesale banking segment, ensuring sound credit decisions through thorough evaluation of clients’ creditworthiness. The role involves developing credit scoring models, setting loan terms, and collaborating with cross-functional teams to implement and maintain robust credit policies and systems.Roles & Responsibilities:· Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions.· Research and evaluate clients’ creditworthiness through financial analysis, site visits, and stakeholder discussions.· Collaborate with business, legal, compliance, and portfolio analytics teams to assess credit requests and make informed decisions.· Approve or reject loan applications based on risk assessment and potential revenue/loss impact.· Negotiate loan terms with clients, ensuring alignment with bank policies and risk appetite.· Review and update credit policies and risk acceptance criteria to reflect changes in regulatory requirements and business strategy.· Partner with credit systems support teams to implement key credit policy criteria in relevant credit acceptance and evaluation systems.Education Qualification:· Graduation: Any Graduation (preferably in Finance, Commerce, or Economics)· Post-graduation: MBA/PGDM in Finance or related field (preferred)· Professional Qualification/Certification: Chartered Accountant (CA) or equivalent (preferred)Experience:· Minimum 5 to 10 years of relevant experience in credit risk assessment, preferably in wholesale banking.
