Area Credit Manager

Hiring for ' Area Head Credit – Business Banking" in a Bank. Location-Kolkata Job Summar y:Responsible for managing credit underwriting for SME and Mid-Market customers within the assigned area. The role focuses on credit appraisal, portfolio quality, risk management, policy compliance, and supporting prudent business growt h.Key Responsibilitie s:Appraise and underwrite Business Banking credit proposal s.Review and approve proposals within delegated authorit y.Conduct financial, industry, business, and borrower risk analysi s.Guide business and credit teams on loan structuring and risk mitigatio n.Monitor portfolio quality, delinquency, NPAs, and stressed account s.Ensure compliance with internal credit policies and regulatory guideline s.Coordinate with business, risk, audit, and senior