Posted By
Posted in
Banking & Finance
Job Code
1496228
We are hiring for Area Credit Manager who could create CAM for MCG or LCG of portfolio who is currently handling a ticket size of 25 Cr+ and Turnover of 250+ Cr.
Designation: Area Credit Manager
Key Responsibilities:
Credit Assessment and Structuring:
- Prepare credit notes detailing transaction structuring and assessment.
- Perform detailed financial analysis, addressing major movements in P&L and balance sheets, citing reasons for such movements.
- Structure the transaction and provide a view on credit, detailing risks and mitigants.
Interaction with Collections/Sales:
- Engage regularly with collections and sales teams to track delinquencies.
- Study delinquent cases to derive learnings and share insights with the team.
Client Pre- Approval and Rating:
- Conduct pre- approval and rating of all clients with exposure exceeding Rs 500L.
- Organize regular training sessions for sales, channel partners, and field sales staff on various product policies and processes.
Portfolio Management:
- Ensure quality documentation, manage post- disbursal documents, and maintain acceptable delinquency levels.
Process Improvement:
- Work on projects and process improvements as required.
Risk Evaluation:
- Critically evaluate transaction risk, business and financial risk of the borrower, and industry risk.
Market Intelligence:
- Develop market intelligence by engaging with counterparts in other banks and financial institutions to understand their policies, focus areas, and portfolio health.
Automation and Product Development:
- Identify opportunities for automation in existing processes and contribute to new product development.
Early Warning Signals:
- Raise early warning signals for stressed accounts and take appropriate measures for timely exit.
Audit Compliance:
- Ensure minimal audit queries, including those from RBI and statutory audits, and resolve them within prescribed timelines.
Qualifications and Skills:
- CA or CFA or MBA from Tier I/II B School
- Strong analytical and financial assessment skills.
- Person who has Managed a book size of 350 Cr+.
- Person who has Ticket Size of 25Cr- 50Cr
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Posted By
Posted in
Banking & Finance
Job Code
1496228