1. Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager.
- Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
- To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
- Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
- Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.
- Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation.
1. Major Deliverables:
- To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
- Perform detailed financial analysis and attending to all major movements in P&L; & Balance sheet while ascertaining /citing the accurate reason of such movement/ variance in accordance with the accounting standards.
- Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.
- Critically evaluate the transaction risk, business & financial risk of the borrower as well as industry risk involved in any given industry.
- To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.
1. Educational Qualification:
- Chartered accountant/ Post-Graduate in Finance stream.
1. Desired Experience:
- Preferably having relevant experience of min 5-6 years
- At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures.