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Credit Manager-SBE-Small Business Enterprise-Credit

Credit Manager-SBE-Small Business Enterprise-Credit

ConfidentialSurat, India
10 days ago
Job description

Credit Manager-Working Capital-Credit

Bangalore, Karnataka, India

JOB DESCRIPTION

Job Role : As part of Credit Team for Working Capital Finance

  • . Managing team of Credit Managers
  • . Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based )
  • . Under writing cases with desired level of quality and enabling achievement of branch business target by proper training.
  • . Visiting customers for personal discussions and deal structuring
  • . Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained
  • . To evaluate proposals of customers for Home Loans, Loan against Property
  • . Decision making within defined TAT
  • . Understanding of property related aspects (like legal title and market value of the property) is an added advantage
  • . Coordinating with sales, operations, legal, technical and customer service

Job Requirements :

  • . Qualification- CA with relevant underwriting experience
  • . Job Knowledge -

    • o Technical underwriting experience

    o Analytical skills

  • . Skills & Experience -

    • o Experience of 2-4 years in relevant working capital products is desired,

    o Should be able to handle time bound activities effectively

    o Should be an effective team player.

    o Should have a sense of urgency & keenness to learn.

    Credit Manager-SBE-Small Business Enterprise-Credit

    Delhi, India

    TRENDING

    JOB DESCRIPTION

    Role

    Credit Appraisal

  • . Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
  • . Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
  • . Use performance history along with liquidity, debt / asset management and profitability ratios to assess creditworthiness in evaluation

    • Stock on Hire : Increase in volume of business

  • . Ensure that SOH increases(pl confirm if this applies to CM role )

    • NPA trend

  • . Analyze the NPA trend like area, industry, sector etc.
  • . Interact with Customers & understand the business and regularly monitor delinquencies / infants.

    • Infant loan which is less than 12 months NPA

  • . Ensure qualitative portfolio

    • Skills Required

    Asset Management, Credit Appraisal, Analytical Skills

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    Credit • Surat, India