Credit Manager Commercial Vehicle Loans - Rajkot, India - RUHI CONSULTANT

Description

Overview

The CreditManager for Commercial Vehicle Loans plays a crucial role in theorganizations lending operations responsible for assessing thecreditworthiness of commercial vehicle loan applicants and managingthe overall credit risk associated with the loan portfolio. Therole requires a keen understanding of credit analysis riskassessment and financial statement analysis to make sound lendingdecisions and uphold the organizations creditstandards.

KeyResponsibilities

• Conductcomprehensive credit analyses to determine the creditworthiness ofcommercial vehicle loan applicants.
• Assess thefinancial statements credit reports and other relevant financialdata to evaluate the potential risks associated with the loanapplications.
• Develop and implement creditunderwriting guidelines tailored to commercial vehicleloans.
• Collaborate with the sales and businessdevelopment teams to structure credit facilities that meet theneeds of commercial vehicle loancustomers.
• Manage the credit approval processand ensure adherence to established credit policies andprocedures.
• Monitor the performance of thecommercial vehicle loan portfolio and implement proactive riskmanagement strategies.
• Review and update thecredit scoring models and risk assessment frameworks to enhancelending decisionmaking.
• Provide guidance andsupport to team members involved in credit evaluation andunderwriting processes.
• Establish and maintaineffective communication channels with internal and externalstakeholders to facilitate the credit evaluation and approvalprocesses.
• Contribute to the development ofstrategies for expanding the commercial vehicle loan portfoliowhile managing credit riskseffectively.

RequiredQualifications

• Bachelors degree inFinance Accounting Business Administration or a relatedfield.
• Proven experience in commercial lendingwith a focus on commercial vehicleloans.
• Demonstrated expertise in creditanalysis risk assessment and financial statementanalysis.
• Strong understanding of underwritingprinciples and practices specific to commercial vehiclefinancing.
• Knowledge of relevant industryregulations and compliancerequirements.
• Excellent analytical andproblemsolving skills with attention todetail.
• Effective communication and negotiationabilities to interact with stakeholders at alllevels.
• Proficiency in utilizing financialanalysis tools and credit scoringmodels.
• Ability to thrive in a fastpaceddynamic environment while managing multiple prioritieseffectively.
• Professional certifications incredit management or related areas would be anadvantage.

stakeholderinteraction,credit underwriting guidelines,riskassessment,financial analysis tools,customer relationshipmanagement,credit analysis,portfolio management,financial statementanalysis,loan portfolio management,underwriting,communication,salescollaboration,credit scoring models,risk managementstrategies