- Credit assessment and underwriting of loan applications based on financial, business and industrial risk, end to end from initiation to disbursal of loans.
- Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials.
- Preparing credit notes to enable recommendations to assist the sanctioning authority for higher exposure in the decision making process.
- Responding to the queries raised by the sanctioning authority from time to time and fulfilling their requirements.
- Analysis of the financial statements of the prospective clients to identify the short term & long term solvency & liquidity position.
- Coordination with advocates, valuers and other processing professionals.
- Disbursal of loans including all checks and verification. Coordinating post approval activities encompassing documentation, account opening, disbursement, loan postponements, rehabilitation & restructuring etc.
- Ensure timely adherence to compliance s of the banks.
- Represent the company to the outside world, including lending partners, board of directors & other strategic alliances. Develop solid internal and external relationships.




- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
- Create credit and underwriting policies & processes.
- Responsible for ensuring sound understanding of credit policy across all relevant levels.
- Manage credit quality and control delinquencies and frauds. Monitoring the health of the portfolio at regular intervals.

- Managing & leading teams for running successful Credit process operations & experience of developing procedures, service standards for business excellence.

- Responsible for maintaining the processing TAT

Experience

- CA – 2-3 years of experience
- MBA Premium institute 2- 3 years

Experience Background

- CA Firm
- Credit rating agencies
- NBFC
- Financial institute
- Banking industry
- CFO experience

Skills And Knowledge

- Analytical skills
- Inclination to work in finance
- Problem solving attitude
- Communication – Verbal & Written.
- Attention to details.
- Research oriented.
- Team handling experience
- Working knowledge of Accounting, Tax & Law

📌 CREDIT MANAGER (India)
🏢 prachay group
📍 India