Associate Manager, Credit Risk- Medium Business

* Drive credit risk assessment and evaluation for Medium Business segment, ensuring adherence to internal policies and regulatory guidelines. * Conduct site visits to verify business operations, assess viability, and perform due diligence to inform credit decisions. * Analyze financial and non-financial data, including financial statements, industry trends, and management quality, to identify potential risks and opportunities. * Develop comprehensive credit appraisal reports, outlining risk identification, mitigation strategies, and structuring recommendations for approval. * Assess key risk factors and recommend tailored credit structures and covenants to minimize potential losses. * Stay up-to-date on market trends, industry developments, and competitor activity to support informed credit decisions and maintain a competitive edge. * Manage timely credit decision turnarounds while maintaining high-quality assessment standards, ensuring efficient and effective credit processing. * Monitor portfolio performance, identifying early warning signs and escalating potential risks to prevent non-performing loans and minimize losses. * Track sanction terms, covenants, and conditions, escalating breaches and ensuring compliance with regulatory requirements. * Perform periodic reviews and renewals of existing credit facilities, conducting root cause analysis of delinquent accounts to identify areas for improvement. * Collaborate with cross-functional teams, including business units, risk teams, and stakeholders, to ensure seamless credit processing and portfolio management. * Support senior management with special projects and contribute to ongoing process improvements, driving continuous enhancement of credit risk management practices.