Credit Manager-Loan Against Property-Credit

As the Credit Manager for the LAP-Credit department, you will play a crucial role in overseeing and expanding the bank's LAP business. Your primary focus will be on managing the credit portfolio, ensuring compliance with policies, and driving profitable growth. You will work closely with the sales team to develop and implement strategies that enhance the bank's market position and customer satisfaction.

• Bachelor's degree in Finance, Business Administration, or a related field.
• Minimum 5 years of experience in credit management or a similar role, preferably in the banking industry.
• Strong knowledge of credit policies, procedures, and regulatory requirements.
• Excellent analytical and decision-making skills, with the ability to assess credit risk accurately.
• Proven track record of successful credit management and portfolio growth.
• Effective leadership and team management skills, with the ability to motivate and guide a team.
• Proficiency in using credit analysis tools and software.
• Strong communication and interpersonal skills, with the ability to build relationships.
• Ability to work independently and manage multiple tasks in a fast-paced environment.
• Willingness to stay updated on industry developments and best practices.

• Manage and monitor the LAP credit portfolio, ensuring timely and accurate processing of loan applications.
• Implement and enforce credit policies and procedures, maintaining compliance with regulatory requirements.
• Review and analyze credit applications, assessing borrower's creditworthiness and financial stability.
• Approve or recommend loan approvals, considering risk factors and business objectives.
• Monitor and manage the credit risk associated with the LAP portfolio, taking proactive measures to mitigate risks.
• Collaborate with the sales team to develop and execute strategies for business growth and market expansion.
• Build and maintain strong relationships with key stakeholders, including borrowers, sales team, and internal departments.
• Provide guidance and support to the credit team, ensuring efficient and effective loan processing.
• Stay updated on industry trends, market dynamics, and competitor activities to identify opportunities and challenges.