RC & WC - Underwriting:Area Credit Manager - SBB Credit INTERNAL USAGE: No. of Vacancies: Reports to:Regional Credit Manager � SBB Is a Team leader?YTeam Size:2 to 5 Grade:Manager / Sr Manager / AVP Business:Corporate CenterDepartment:�Retail CreditSub-Department:SBB Credit Location: About Wholesale Credit The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes About the Role The Area Credit Manager �SBB Credit manages the credit activities and processes for loan applications of Small Business Banking customers under Retail Credit for the Area assigned to him/her. The Area Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank. Key Responsibilities � Manage a team of 2 to 5 Credit Managers � SBB � Ensure smooth functioning of the Region by meeting required productivity norms within the desired Turn Around Time & Approval Ratio as defined by the Bank � Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring adherence to the standard process, Turn Around Time and decision consistency � Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. � Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio � Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions � Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives � Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme, compliance related matters, PSL classification etc � Give timely feedback to CO team of policy, RCM, ZCM, NCM & Head Credit on market developments, suggestions on improvement on Products, Policy and processes etc � Ensuring vendor management consisting of panel valuers, advocates, PD agencies etc � Ensuring periodic training to all stakeholders on products, policies and processes etc Qualifications Optimal qualification for success on the job is: � Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute � Experience of over 4 to 8 years in assessing funding of various products to MSME segment & Self Employed Professional Role Proficiencies: For successful execution of the job, the candidate should possess: � Knowledge of credit, relevant industry and product trends � Knowledge of regulatory guidelines and norms � Good communication (both verbal and written) skill in both English and the local language � Ability to handle pressure and meet deadlines