Sign In
 [New User? Sign Up]
Mobile Version

Manager Credit - FTL

Chennai, TN
Job Code:
  • Banking & Finance
Applying for this job will take you to an external site
  • Shortlist
  • Email Friend
  • Print

Job Details

The role of the Area Credit Manager (ACM/CM) will requires a strong understanding of SME Businesses, Self-Employed Professionals (mostly Doctors & CAs) & Salaried Professionals, industry knowledge & market intelligence and underwriting processes at BFL to ensure that only credit worthy firms & Individuals are extended loans in line with BFLs risk policies. The incumbent will be responsible for underwriting loans in their specific locations, which will mostly be pre-qualified / pre-approved by the Risk team, and require quick processing TATs, in the following businesses 1. Relationship Management, 2. Professionals Loans (Doctors and CAs), &3. Salaried Home LoansMonthly disbursements are expected to cross Rs.250 Cr in these businesses by September 2015. Thus each Credit Manager is expected to process Rs.10 Cr of loan applications. Key Responsibilities1. Underwriting of Loans to SMEs, Self Employed & Salaried Professionals within defined time lines.2. Drive ownership of internal processes & compliance with underwriting policies 3. Support Business, Risk & Operations in meeting the long term goals of the respective businessesLeadership CompetenciesCompetencyExpected BehaviourEntrepreneurshipIs viewed as a role model in terms of creating new products/processes that tap into opportunitiesThrives on thinking out of box for exploring lucrative business possibilities from a long term business perspectivePerceives the risk and return in light of the overall business strategy and vision and creates internal benchmarksConverts developments in the market and environment into business opportunities for his/her own organizationCustomer FocusAnalyses customer preference trends and establishes internal benchmarks for the sameCreates and institutionalizes processes and systems that build a culture of delivering excellence in products and services in the organizationAnalyses patterns in customer concerns and establishes organizational guidelines to address the sameIs a role model in balancing maximum customer value with maximum organizational gainResult OrientationAligns the team to the organizational needs and strategy in terms of cost, quality and time expectationsEnables the team to consistently set goals that will help the team be ahead of the curveSupports the team to stay on track to achieve and strive to exceed targets irrespective of high work pressure and the targets being steepSupports to team to be able to develop contingency plans to ensure they address roadblocks and effectively move beyondAgilityGuides the team to take proactive, complex and quick decisionsEstablishes internal benchmarks that enable quick response times and greater adaptability to changeShowcases the ability to view situations from a variety of perspectives and finds relevant solutions for the larger benefit of the organization Required Qualifications Qualifications1. Chartered Accountant / MBA2. Maximum experience of 2 years in the financial services (lending) industry Skills1. High process orientation2. Good analytical skills3. Positive attitude.4. Good communication skills, with proficiency in English.
Degree: CA (Chartered Accountant) | MBA/ PGDM

Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 2-5


Credit Control & Collections | Financial Analysis | Risk/Credit/Economic Analyst | Underwriter
Applying for this job will take you to an external site


© Copyright 2015 Al Nisr Publishing LLC - powered by Gulf News