Urgent Required-Branch Credit Manager-MSME Loans- Yevla (Maharashtra)

Job Description

Kogta Financial (I) Ltd. is urgently looking for dynamic Branch Credit Manager-MSME Loan- at Mumbai (Borivali).

Responsibilities:

• Evaluation of Proposals put up for recommendation / approval as per credit policy.
• Customer visit and discussions to assess the loan requirement.
• Customer business and income assessment.
• Understanding the business thoroughly for self-employed non-professional profiles.
• Ascertaining and Validating the revenue streams and expenditure of the business.
• Should be able to see through the potential risks of the proposal.
• Should have ability to do due diligence without sufficient and formal documents / data.
• Files Checking as per Credit Policy.
• Risk Analysis related to case & Client.
• Maintaining quality of credit information, underwriting standards and presentation.
• PDD and Portfolio Management.
• Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
• Handling Disbursement officers for process.
• Accuracy of work and timeline adherence.

Qualifications:

• Proven work experience in Credit underwriting of Retail Asset Banking products, services and operations (preferably in private sector, LAP/SME/Mortgages)
• Candidate must have sound exposure of higher ticket size MSME loans.
• Understanding of local business and micro economy
• Keen understanding and focus on risk, controls, compliance and regulatory framework
• Strong analytical & communication skills (written & verbal)
• Preferably CA/ ICWA/ MBA Finance / PG - Commerce)
• Ability to build, coach and mentor high performance oriented teams
• Candidate who can join immediately or on short notice will be highly preferred.
• Candidates with relevant experience will be entertained only.