Key Responsibilities:

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Underwriting and Recommending Quality Proposals
Supporting Actions:

- Underwrite proposals according to established parameters and credit policies.
- Conduct a comprehensive analysis of Management Risk, Industry Risk, Business Risk, and Financial Risk associated with each proposal.
- Adhere strictly to credit policy guidelines to ensure proposal compliance.
- Identify and address strengths, weaknesses, and proper risk mitigants within each proposal.
- Recommend high-quality proposals to ensure a strong portfolio with minimal Non-Performing Assets (NPAs).

Efficient Turnaround Time (TAT) for Proposal Validation
Supporting Actions:

- Ensure prompt and productive processing of all proposals.




- Maintain high standards for validation efficiency to support timely decision-making.

Renewal / Enhancement of Existing Facilities

Supporting Actions:

- Review and ensure renewal proposals comply with the conditions stipulated at the time of the previous sanction.
- Ensure timely submission of renewal proposals to the Credit Committee.
- Oversee the timely renewal process to ensure continued service to the client.

Sales Support & Capacity Building

Supporting Actions:

- Respond promptly and effectively to all requests from the Sales team.
- Engage with customers to understand their business credentials, ensuring a smooth case progression and timely action.

Continuous Portfolio Monitoring and Audit Assistance
Supporting Actions:

- Conduct regular reviews of borrower accounts to ensure ongoing monitoring of portfolio quality.
- Support the NCM Supply Chain Finance in completing a satisfactory audit of the portfolio under your responsibility.

📌 Senior Credit Manager - Credit Mid Market - Mumbai
🏢 Aditya Birla Capital (ABCL)
📍 Mumbai