Area Credit Manager-SCF-Credit Appraisal-Delhi

Main Accountabilities

• Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)


• Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility


• Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team


• Meet customers (retail & strategic) at regular intervals to understand various industry & markets


• Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes


• Control & Monitoring of Post Disbursement Documents –Invoice, Insurance & RC by way of interaction with sales and customers 


• Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels


• Working on projects/process improvements from time To time


• Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement


• Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants


• Detailed financial appraisal covering the business model, working capital cycle, profitability etc


• Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health


• Identify the automation opportunities in existing processes, new product development


• Quality of Credit Underwriting


• Raise early warning signals for exit of stress accounts and take due measures for timely exit


• Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines


• Active involvement in customer visit 


• Regular MIS on market intelligence