Credit Manager

Job Description

Role Overview:As the Manager Credit at Fairmont Udaipur Palace, you will play a crucial role in assessing the creditworthiness of loan applicants, monitoring credit risk, ensuring compliance with credit policies, and supporting the overall credit approval process. Your strong analytical skills, attention to detail, and understanding of credit principles and financial analysis will be essential in this role.Key Responsibilities:- Analyze financial statements, credit reports, and other relevant data to evaluate the creditworthiness of individuals or businesses.- Conduct risk analysis and recommend suitable credit limits and terms.- Perform due diligence on new and existing clients to identify potential risks.- Prepare detailed credit appraisal memos for review by senior management or credit committees.- Assist in processing and approving credit applications following internal policies and regulatory guidelines.- Ensure timely disbursal of approved loans or credit facilities.- Work with legal and compliance teams to ensure proper documentation and standards.- Monitor loan accounts for early warning signals of financial distress or irregularities.- Track portfolio performance and identify high-risk accounts.- Prepare regular MIS reports on credit status, risk exposure, and exceptions.- Ensure all credit approvals comply with internal policies, regulatory standards, and risk appetite frameworks.- Maintain documentation for audits and regulatory reviews.- Collaborate with sales, operations, legal, and risk teams for smooth credit management.- Interact with customers to clarify application details or resolve disputes.Qualifications:- Bachelors degree in Finance, Accounting, Economics, or a related field (MBA/CA/CFA preferred).- 24 years of experience in credit analysis, underwriting, or risk assessment (industry-specific).- Strong analytical and financial modeling skills.- Good understanding of credit risk, regulatory norms (e.g., RBI/Basel guidelines), and lending processes.- Proficiency in MS Excel, financial tools, and credit scoring models.- Excellent communication, interpersonal, and report-writing skills. Role Overview:As the Manager Credit at Fairmont Udaipur Palace, you will play a crucial role in assessing the creditworthiness of loan applicants, monitoring credit risk, ensuring compliance with credit policies, and supporting the overall credit approval process. Your strong analytical skills, attention to detail, and understanding of credit principles and financial analysis will be essential in this role.Key Responsibilities:- Analyze financial statements, credit reports, and other relevant data to evaluate the creditworthiness of individuals or businesses.- Conduct risk analysis and recommend suitable credit limits and terms.- Perform due diligence on new and existing clients to identify potential risks.- Prepare detailed credit appraisal memos for review by senior management or credit committees.- Assist in processing and approving credit applications following internal policies and regulatory guidelines.- Ensure timely disbursal of approved loans or credit facilities.- Work with legal and compliance teams to ensure proper documentation and standards.- Monitor loan accounts for early warning signals of financial distress or irregularities.- Track portfolio performance and identify high-risk accounts.- Prepare regular MIS reports on credit status, risk exposure, and exceptions.- Ensure all credit approvals comply with internal policies, regulatory standards, and risk appetite frameworks.- Maintain documentation for audits and regulatory reviews.- Collaborate with sales, operations, legal, and risk teams for smooth credit management.- Interact with customers to clarify application details or resolve disputes.Qualifications:- Bachelors degree in Finance, Accounting, Economics, or a related field (MBA/CA/CFA preferred).- 24 years of experience in credit analysis, underwriting, or risk assessment (industry-specific).- Strong analytical and financial modeling skills.- Good understanding of credit risk, regulatory norms (e.g., RBI/Basel guidelines), and lending processes.- Proficiency in MS Excel, financial tools, and credit scoring models.- Excellent communication, interpersonal, and report-writing skills.

Keyskills :
Analytical SkillsFinancial AnalysisRisk AnalysisDue DiligenceCredit AppraisalComplianceDocumentationMIS Reporting