Job Description
Business Vertical
SME credit
Designation
Area Credit Manager -CEQ
Grade
M M M /span
Educational Qualification
MBA/PGDBA/PGPM/ CA or Equivalent
Experience
years in Banks/NBFC
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To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility To perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement.
To prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
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Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
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Pre approval and rating of all clients with exposure more than Rs Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
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Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
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Working on projects/process improvements from time To time
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To be able critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
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Development of market intelligence by engaging with the people in other banks and FIs w.
r.
t.
their policies, focus area, portfolio health
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To identify the automation opportunities in existing processes, new product development
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To raise early warning signals for exit of stress accounts and take due measures for timely exit
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To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
