Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager.
• Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
• To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
• Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
• Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.
• Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation. Major Deliverables:
• To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
• Critically evaluate the transaction risk,



business & Financial risk of the borrower as well as industry risk involved in any given industry.
• To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each. Specialized job competencies:
• Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets. Financial Analysis:
• Perform detailed financial analysis and attending to all major movements in P&L; & Balance sheet while ascertaining /citing the exact reason of such movement/ variance in accordance with the accounting standards. Desired

Experience:
• Preferably having relevant experience of min 5-7 years At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures

📌 Area Credit Manager (Chennai)
🏢 Tata Capital
📍 Chennai