Icici Bank Jobs – Credit Manager

Job Description:

The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360-degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360-degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to on board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments.

Job Responsibilities:

• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Consider key market nuances in the credit underwriting process
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a focus on creating high quality portfolio
• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers
• Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions

Job Requirements:

Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience Or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.

• Attention to detail
• Should have an orientation to learn
• Exposure to analytics would be an added advantage
• Basic understanding of financial analysis, balance sheet and profit and loss accounts
• Ability to articulate own point of view
• Collaborative and orientation to work in cross functional teams
• Should have an analytical bend of mind
• Basic knowledge of financing and financial statement
• Ability to assess impact of policies, rules and regulations on portfolio
• Conceptual understanding of risk and risk mitigation strategies
• Basic Orientation for business and analytical acumen
• Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred
• Strong communication (both oral and written) and negotiation skills

Job Details:

Company: ICICI Bank

Vacancy Type:  Full Time

Job Location: Mumbai, Maharashtra, IN

Application Deadline: N/A

Apply Here

jobsvilla.net