Job Description

Credit Manager-Working Capital-Credit


Bangalore, Karnataka, India


JOB DESCRIPTION


Job Role :As part of Credit Team for Working Capital Finance


- Managing team of Credit Managers


- Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based )


- Under writing cases with desired level of quality and enabling achievement of branch business target by proper training.


- Visiting customers for personal discussions and deal structuring


- Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained


- To evaluate proposals of customers for Home Loans, Loan against Property


- Decision making within defined TAT


- Understanding of property related aspects (like legal title and market value of the property) is an added advantage


- Coordinating with sales, operations, legal, technical and customer service








Job Requirements:




- Qualification- CA with relevant underwriting experience


- Job Knowledge -


o Technical underwriting experience


o Analytical skills


- Skills & Experience -


o Experience of 2-4 years in relevant working capital products is desired,


o Should be able to handle time bound activities effectively


o Should be an effective team player.


o Should have a sense of urgency & keenness to learn.



Credit Manager-SBE-Small Business Enterprise-Credit


Delhi, India

TRENDING

JOB DESCRIPTION

Role

Credit Appraisal


Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
Stock on Hire: Increase in volume of business


Ensure that SOH increases(pl confirm if this applies to CM role )
NPA trend


Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants.
Infant loan which is less than 12 months NPA


* Ensure qualitative portfolio