Credit Manager - Asset Based Lending/ Factoring

Key Responsibilities

• Underwrite and manage renewals, credit modifications, line increases, extensions, waivers, and other customer credit requests for ABL and Factoring relationships.
• Manage the end-to-end underwriting process, coordinating with Relationship Managers and approval authorities to ensure timely completion.
• Perform comprehensive credit analysis, including financial statement review, cash flow analysis, collateral evaluation, covenant compliance testing, and assessment of borrower performance trends.
• Review and analyze field examinations, inventory appraisals (if required), intellectual property appraisals (if required), borrowing base certificates, and other due diligence materials to assess collateral quality and credit risk.
• Prepare clear, concise, and comprehensive credit memoranda supporting renewals and other approval requests.
• Assess the impact of requested credit modifications and determine materiality, risk implications, and required approvals.
• Review borrower risk ratings and identify emerging credit concerns, covenant breaches, or other indicators of credit deterioration.
• Prepare loan pricing analyses utilizing Precision Lender, Probability of Default (PD), and Loss Given Default (LGD) methodologies.
• Prepare IDB base case and sensitized projection analysis
• Monitor and communicate material changes in borrower performance, collateral quality, and credit risk to management in a timely manner.

Experience

• Commercial underwriting experience with a strong emphasis on Asset-Based Lending and/or Factoring.
• Demonstrated experience underwriting revolving credit facilities and term loans secured by accounts receivable, inventory, intellectual property, and other collateral types.
• Strong financial analysis and credit underwriting skills, including cash flow analysis, covenant testing, collateral analysis, and risk assessment.
• Proven ability to independently manage credit requests from initial analysis through final approval.
• Solid understanding of loan structuring, pricing, profitability analysis, PD and LGD methodologies, and risk-adjusted returns.
• Proficient in Microsoft Office applications and familiarity with Salesforce and credit workflow systems.

Interested Candidates please share CV's at [Confidential Information]

Location: Pune

Notice Period: Immediate - 0-60 days