Credit Commercial

Key Responsibilities

• Underwrite CV & Construction Equipment loan proposals as per credit policy and risk guidelines.
• Analyze financial statements and assess repayment capacity of corporates partnerships and other business entities.
• Prepare credit appraisal/recommendation notes in line with defined processes.
• Monitor portfolio performance asset quality and delinquency levels.
• Ensure compliance with credit policy audit and process requirements.
• Coordinate with business and internal teams to ensure timely TATs.
• Prepare and submit MIS and portfolio review reports.
• Manage and guide a team of credit analysts/underwriters.

Key Skills & Experience

• Knowledge of Commercial Vehicle (CV) & Construction Equipment (CE) lending and asset viability.
• Strong financial statement analysis and income assessment skills.
• Good understanding of credit policies processes and risk management.
• Strong analytical communication decision-making and team-management skills.

Key Behaviors

• Strong ownership integrity and accountability.
• Positive proactive and willing to learn.
• Ability to work under pressure and meet deadlines.
• Professional approach with strong collaboration and teamwork.