Credit Manager-SBE-Small Business Enterprise-Credit

Credit Manager-Working Capital-Credit

Bangalore, Karnataka, India

JOB DESCRIPTION

Job Role :As part of Credit Team for Working Capital Finance

• Managing team of Credit Managers
• Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based )
• Under writing cases with desired level of quality and enabling achievement of branch business target by proper training.
• Visiting customers for personal discussions and deal structuring
• Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained
• To evaluate proposals of customers for Home Loans, Loan against Property
• Decision making within defined TAT
• Understanding of property related aspects (like legal title and market value of the property) is an added advantage
• Coordinating with sales, operations, legal, technical and customer service

Job Requirements

• Qualification- CA with relevant underwriting experience
• Job Knowledge –

• o Technical underwriting experience
• o Analytical skills

• Skills & Experience –

• o Experience of 2-4 years in relevant working capital products is desired,
• o Should be able to handle time bound activities effectively
• o Should be an effective team player.
• o Should have a sense of urgency & keenness to learn.

Credit Manager-SBE-Small Business Enterprise-Credit

Delhi, India

TRENDING

JOB DESCRIPTION

Role

Credit Appraisal

• Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
• Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
• Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation

Stock on Hire: Increase in volume of business

• Ensure that SOH increases(pl confirm if this applies to CM role )

NPA trend

• Analyze the NPA trend like area, industry, sector etc.
• Interact with Customers & understand the business and regularly monitor delinquencies / infants.

Infant loan which is less than 12 months NPA

• Ensure qualitative portfolio