Hiranandani Financial Services - Area Credit Manager - Secured Business Loans

Role:

- Establish key qualification rules & credit worthiness of applicants

- Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations

- Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts

- Working on new credit monitoring measures and credit triggers and their tracking.

- Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.

- Meeting clients at regular intervals and making detailed visit reports for further information on the clients

- Liasioning and networking in the industry to seek reference checks for clients as well as understanding the industry & economy dynamics

- Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated

- Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI, Sebi etc are not violated

- Supervising and ensuring quick recovery of credit reports and proper maintenance of credit files to avoid any operational risks

Skills and Competencies:

- Analytical bend of mind & Strong judgmental attributes

- Good organizational discipline and thirst for efficiency

- Good presentation skills

- Enthusiastic and dedicated