Job Description

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 robust 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

Sk

📌 CREDIT MANAGER (India)
🏢 prachay group
📍 India