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 robust portfolio with minimal Non-Performing Assets (NPAs).

Productive Turnaround Time (TAT) for Proposal Validation
Supporting Actions:
Ensure prompt and effective 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 Ahmedabad
🏢 Aditya Birla Capital (ABCL)
📍 Ahmedabad