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Area Credit Manager - Emerging Corporate
ConfidentialChandigarh30+ days ago
Job descriptionPrepare / 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 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 their policies, focus area, portfolio health Identify the automation opportunities in existing processes, new product developmen 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.
Skills Required
Credit Management, Financial Analysis, Mis, Automation
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Area Manager • Chandigarh
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