Job Description:
Evaluating Creditworthiness:
Analyzing financial statements (balance sheets, profit & loss, cash flow statements), assessing credit history, and using credit scoring models to determine the likelihood of loan repayment.
Managing Credit Risk:
Developing and implementing credit policies and strategies, monitoring portfolio performance, identifying and mitigating potential risks, and ensuring compliance with regulations.
Approving Loans:
Making decisions on loan applications based on creditworthiness assessments, adhering to company policies and guidelines, and ensuring proper documentation.
Monitoring Loan Performance:
Tracking loan disbursements, ensuring timely payments, managing collections, and addressing any deviations or delinquencies.
Liaising with Stakeholders:
Coordinating with business development teams, legal departments,



technical teams, and external agencies like lawyers and valuers.
Developing Credit Policies:
Creating and updating credit policies and procedures, ensuring they are aligned with business strategies and risk frameworks.
Team Management:
In some cases, managing a team of credit analysts or other specialists, providing guidance and training.
Compliance:
Ensuring compliance with all relevant regulations and internal policies, participating in audits, and maintaining accurate records.
Business Development:
Identifying potential business opportunities and contributing to the growth of the organization's construction finance portfolio.

📌 Kmil Credit Manager Construction Finance Delhi, Mumbai,ahmedabad,chennai (India)
🏢 Acura Solution
📍 India