To evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks. The role contributes to prudent lending and sustainable portfolio growth.
Responsibilities- Appraise CV & CE loan proposals, conduct detailed credit and risk assessment, scrutinize customer, financial and collateral documents, and recommend/sanction proposals within defined TAT and delegated authority.
- Conduct customer interactions, personal discussions, field visits, and due diligence to assess repayment capacity, business viability, and creditworthiness.
- Ensure adherence to the Bank's credit policies, underwriting standards, regulatory guidelines, and risk management framework.
- Monitor portfolio performance, delinquency trends, credit losses, and early warning signals, and recommend corrective actions to maintain portfolio quality.
- Review loan documentation and credit conditions to ensure compliance prior to disbursement and throughout the loan lifecycle.
- Prepare, review, and monitor credit MIS, portfolio reports, exception reports, and risk indicators for effective portfolio management.
- Support and guide business teams on credit policies, underwriting norms, risk assessment, and policy changes through regular training and engagement.
- Identify process, policy, and control gaps and recommend improvements to strengthen credit quality, operational efficiency, and risk controls.
- Collaborate with Business, Operations, Collections, Legal, and Risk teams to ensure effective credit decision-making and portfolio management.
- Undertake other credit risk management and portfolio monitoring responsibilities as assigned by the Head of Credit.
Experience Range : 5 to 12 years
Qualifications:
CA/ MBA Finance
Skills Required
- 5 to 12 years of experience
- CA or MBA in Finance
CSB Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about CSB Bank and has not been reviewed or approved by CSB Bank.
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Fair & Transparent Compensation — Pay is considered fair in certain managerial or target-based roles, with some positions viewed as competitive for the industry. Salaries are consistently reported as paid on time, supporting a baseline of reliability.
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Strong & Reliable Incentives — Earnings can be strong when sales targets are achieved, indicating meaningful performance-linked upside in some roles.
CSB Bank Insights
What We Do
CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.
