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Credit Manager - Chartered Accountant (CA) (Chandigarh)

IndusInd Bank · Chandigarh

📅 05/08/2026
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Role & responsibilities Credit Assessment & Analysis - Analyze financial statements, cash flows, banking behavior, and credit history of Business Banking customers. - Conduct detailed appraisal of working capital, term loan, and other credit facilities. - Assess borrower repayment capacity and identify potential credit risks. - Prepare comprehensive credit appraisal notes and recommendations for approval. Risk Evaluation - Evaluate industry, market, operational, and management risks associated with borrowers. - Review collateral security, valuation reports, and legal documentation. - Identify early warning signals and recommend appropriate risk mitigation measures. - Ensure compliance with internal credit policies and regulatory guidelines. Portfolio Management - Monitor the performance of assigned credit portfolio. - Track covenant compliance and submission of financial information by borrowers. - Coordinate with Relationship Managers for periodic account reviews and renewals. - Support portfolio quality through proactive risk monitoring and account reviews. Stakeholder Coordination - Work closely with Relationship Managers, Credit Managers, Legal, Operations, and Risk teams. - Assist business teams in structuring lending solutions aligned with customer requirements and risk appetite. - Provide credit-related support during customer meetings and discussions when required. Documentation & Compliance - Ensure completeness and accuracy of credit documentation. - Maintain adherence to regulatory, audit, and internal compliance requirements. - Support internal and external audits related to credit processes. .
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