Key Result Areas ( Max 1325 Characters)

Supporting Actions (Max 1325 Characters)
Assess and conduct detailed credit analysis and evaluation of INSTI lending proposals as part of the lending approval process
Scrutinize credit proposals by analyzing the project plan and progress, client creditworthiness, business strength, market credibility, ficial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance and adherence to other internal credit norms
Perform direct and thorough investigations and obtain relevant credit information through personal interactions with developers as and when needed
Undertake detailed external research and market feedback from sources such as bankers, suppliers, customers, etc. and evaluate the proposal accordingly
Interact with the Legal and Technical agencies to ensure that property and project risks have been understood and mitigated
Ensure that each proposal complies with credit policies as well as all internal and external norms of lending
Submit a credit appraisal memo to the Team Lead INSTI for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision




Follow up with RMs to ensure document execution and the handover of the documentation set to MOG for disbursement of loans

Monitor the existing Insti portfolio based on designed formats and parameters
Monitor the performance of the Insti portfolio analyzing changes in fundamentals, ratings, deviations in covets for deviations and project progress and status on a continuous basis
Monitor overdue positions and initiate appropriate steps to support the recovery process for the same.
Follow up on any pending documentation (e. g. OTC and PDD documents)
Maintain networks with other ficial institutions and able to take independent local industry references for customers if required
Prepare MIS reports and trend charts on portfolio progress/variances/defaults for all INSTI loans during their credit life cycle and forward them to the team leader, highlighting issues and recommending mitigants

Disclaimer : This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Team Member Credit Monitoring Mumbai (India)
🏢 Aditya Birla Insulators
📍 India