Area Credit Manager

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
• Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
• 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
• Meet customers (retail & strategic) at regular intervals to understand various industry & markets
• Pre approval and rating of all clients with exposure more than Rs 500L
• Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
• Control & Monitoring of Post Disbursement Documents -Invoice, Insurance & RC by way of interaction with sales and customers
• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• Working on projects/process improvements from time To time
• Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
• Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each
• 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
• Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
• Detailed financial appraisal covering the business model, working capital cycle, profitability etc
• Development of market intelligence by engaging with the people in other banks and FIs w. r. t. their policies, focus area, portfolio health
• Identify the automation opportunities in existing processes, new product development
• Quality of Credit Underwriting
• Raise early warning signals for exit of stress accounts and take due measures for timely exit
• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• Through market knowledge of CE /CV market practices
• Active involvement in customer visit
• Regular MIS on market intelligence

Qualifications

• Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent