Job Description

Business Vertical: Corporate Finance
Department: Emerging Corporate
(Credit Appraisal)
Designation: Area Credit manager
Line of Business: Credit
Proposed Immediate Superior (Designation): Regional Credit Manager
Grade: M4
Key Objective of the Job:
? Credit analysis of proposal and preparation of credit notes.
? Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality.
? Meeting new customers and existing customers on regular basis
? Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures
? Ensure continuous monitoring for all high value exposures in the region.
Major Deliverables:
? Quality of Credit Underwriting
? Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc
? Portfolio Monitoring
? To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc
? To raise early warning signals for exit of stress accounts and take due measures for timely exit.
? To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.
Educational Qualification:
? Chartered Accountant OR MBA (Preferably Finance as Major subject)
Desired Experience:
? 4-6 years minimum in credit vertical (preferable for corporate lending).
Other desired attributes:
? Team coordination, Good Attitude and willingness to learn & impart trainings

Skills Required