National Credit Manager-SME

Role & responsibilities
Credit Underwriting & Approval

• Oversee end-to-end credit appraisal and sanctioning of SME proposals including CC/OD, Term Loans, and Working Capital limits.
• Evaluate financial statements, CMA data, bank statements, GST returns, cash flows, and projections.
• Assess borrower risk through industry analysis, promoter background, business model evaluation, and collateral/security assessment.
• Approve cases within delegated authority and recommend higher exposures to senior committees.