Area Credit Manager

Hiring for 'Area Head Credit – Business Banking" in a Bank.

Location-Kolkata

Job Summar

y:Responsible for managing credit underwriting for SME and Mid-Market customers within the assigned area. The role focuses on credit appraisal, portfolio quality, risk management, policy compliance, and supporting prudent business growt

h.Key Responsibilitie

• s:Appraise and underwrite Business Banking credit proposal
• s.Review and approve proposals within delegated authorit
• y.Conduct financial, industry, business, and borrower risk analysi
• s.Guide business and credit teams on loan structuring and risk mitigatio
• n.Monitor portfolio quality, delinquency, NPAs, and stressed account
• s.Ensure compliance with internal credit policies and regulatory guideline
• s.Coordinate with business, risk, audit, and senior management team
• s.Mentor junior credit team members and improve credit processe

s.Qualification & Experienc

• e:CA / MBA (Finance) or equivalent financial qualificatio
• n.6+ years of relevant experience in Business Banking / SME / Mid-Market Credi

t.