CREDIT MANAGER

Job highlights

• CA 2-3 years of experience . MBA Premium institute 2- 3 years .
• Managing leading teams for running successful Credit process operations experience of developing procedures,service standards for business excellence
• Experience
• Experience Background
• Team handling experience .

Responsibilities

• Credit assessment and underwriting of loan applications based on financial, business and industrial risk, end to end from initiation to disbursal of loans.

• Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials.

• Preparing credit notes to enable recommendations to assist the sanctioning authority for higher exposure in the decision making process.

• Responding to the queries raised by the sanctioning authority from time to time and fulfilling their requirements.

• Analysis of the financial statements of the prospective clients to identify the short term long term solvency liquidity position.

• Coordination with advocates, valuers and other processing professionals.

• Disbursal of loans including all checks and verification. Coordinating post approval activities encompassing documentation, account opening, disbursement, loan postponements, rehabilitation restructuring etc.

• Ensure timely adherence to compliance s of the banks.

• Represent the company to the outside world, including lending partners, board of directors other strategic alliances. Develop strong internal and external relationships.

• Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment mitigation thereof.

• Create credit and underwriting policies processes.

• Responsible for ensuring sound understanding of credit policy across all relevant levels.

• Manage credit quality and control delinquencies and frauds. Monitoring the health of the portfolio at regular intervals.

• Managing leading teams for running successful Credit process operations experience of developing procedures, service standards for business excellence.

• Responsible for maintaining the processing TAT

  Experience

• CA 2-3 years of experience

• MBA Premium institute 2- 3 years

  Experience Background

• CA Firm

• Credit rating agencies

• NBFC

• Financial institute

• Banking industry

• CFO experience

  Skills and Knowledge

• Analytical skills

• Inclination to work in finance

• Problem solving attitude

• Communication Verbal Written.

• Attention to details.

• Research oriented.

• Team handling experience

• Working knowledge of Accounting, Tax Law

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