Prepare/amend the note/financial model with correct information (gathered via the business team, public domain, or 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 to derive learning and share the same with the team.
Meet customers (retail & strategic) at regular intervals to understand various industries and markets.
Pre-approve and rate all clients with exposure greater than Rs. 500L. Conduct regular training sessions for sales/channel partners/field sales staff on various product policies and processes.
Control and monitor post-disbursement documents such as invoices, insurance, and RC by interacting with sales and customers.
Manage the portfolio to ensure requisite quality of documentation, post-disbursal documents, and delinquency levels.
Work on projects and process improvements from time to time.
Critically evaluate the transaction risk, business and financial risk of the borrower, and industry risk involved in any given industry.
Identify relevant and associated risks and submit appropriate mitigation strategies for each.
Perform detailed financial analysis, attending to all major movements in P&L and balance sheets, while ascertaining and citing the precise reason for such movements.
Prepare the credit note comprising the structure of the transaction and the view of credit, detailing risks and mitigants.
Conduct detailed financial appraisal covering the business model, working capital cycle, profitability, etc.
Develop market intelligence by engaging with people in other banks and FIs regarding their policies, focus areas, and portfolio health.
Identify automation opportunities in existing processes and new product development.
Ensure high quality of credit underwriting.
Raise early warning signals for the 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.
Maintain through market knowledge of CE/CV market practices.
