YES Bank Jobs - Recruitment - Zonal Credit Manager, Branch Service Partner – 10 Posts | 2045

 Zonal Credit Manager :

Will be taking care of working capital/ term loans and other credit proposal eligible under the Small business banking parameter i.e. borrowers with less than 10 Cr. turnover :-
•Analyze and review loan submission documents, review credit reports, input information, analyze financial documentation, appraisal reports and recommend loan files for pre-approval
•Analyze delinquencies under assigned portfolio and prepared reports to senior Management.
•Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system so as to take corrective action
•Provide customer service to internal staff by explaining credit decisions, and offering alternative options when needed to complete approvals
•Assist in analyzing the credit worthiness of the borrower. Raising critical risk queries, exercising adequate due diligence including market intelligence, customer interview, Plant visits ensuring quick turnaround and quality of CAM.
•Maintaining quality of loan proposal documents
•Managing loan portfolio with respect to credit rating/quality, industry concentration, granularity, secured/unsecured, timely identification of warning signals, timely renewal, timely review of stressed / adversely labelled accounts and recommend strategy to reduce / exit accounts
•Develop industry specific knowledge and develop/maintain database pertaining to same
•Formulating credit policies
•Take lead in new initiatives like SME products, policies & processes etc.
•Develop understanding of various pertinent regulations 

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