Zonal Credit Manager - CA - LAP/SME

Zonal Credit Manager LAp/SME/BL/WC

Company : Leading NBFC

Role : ZCM - LAP/SME

Grade : AVP

Location : Ahmedabad

Educational Qualification : CA having experience in Banks /NBFC in LAp/Mortgages SME lending business

Experience : Minimum of 7 - 15 years of experience

Brief Job Description :

Job Responsibilities :

- Credit Appraisals of SME Secured and Unsecured Business loans & Mortgages Loans files with High Ticket Size cases

- Control over all Functions like Credit, Vendor Management .

- Having Team of Credit Manager and Area Credit Managers

- Trainings to Staff & DSA Manpower regarding the Process & other Key important matters

- Successfully handled Quality management and client servicing activities. Conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies

- Supervising, controlling delinquency and credit loss

- Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports

- Fulfilling the credit training needs of entire business team on a continued & timely basis

- The role involves structuring several high value deals and to provide a win win solution to client as well as the organisation

- Portfolio management, Audit control, delinquency check, structuring of deals, meeting existing clients, interacting with DSA, interacting with lawyers and valuers, supporting business etc.

Team Management :

- Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process and operations.

- Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance among team members.

- Nurturing, managing & imparting training to the team is also one of the core activities.

Functional Requirements :

- In-depth knowledge of Financial & Credit Risk analysis

- Risk (credit / investment, operational, others) identification and mitigation skills

- Knowledge and experience of having dealt in Banking products and procedures, Documentation

Skills required :

- Ability to understand economic / industry cycles

- Analysis of annual reports and cash flow statements

- Excellent communication skills - verbal, and written (including report writing)

- Problem solving attitude