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Job Id: 699
Job Title: Credit Manager
Industry: Banking, Financial Servcies & Insurance
Functional Area: Sales / Business Development / Client Servicing
Salary: 4 Lac - 6 Lac
Job Location: Haryana
About the Client

The company is India's Leading Non Banking Finance Company (NBFC) operating in Wholesale & SME Lending.

As part of the business activities,the company is predominantly focused into Asset Financing and Lending business. The Wholesale Lending Business segment provides specialized and holistic solutions to Indian corporates helping them build and grow their businesses with initial funding, mezzanine financing, acquisition financing etc. They focus on products in the structured credit space backed by adequate collaterals and cash flows to build a secured and quality wholesale lending portfolio.

Job Description

1. Detailed and objective assessment of mortgage credit applications. Assess the profile based on performance against predefined criteria, as well as an independent analysis of borrower’s credit profile.
2. Credit appraisals of the loan proposals with the help of financial analysis of the customers, information and comforts gathered in Personal Discussions, market business references, etc.
3. Capturing key data elements and analyzing them, interpreting the cross period movements and understanding the macro mechanics of the system.
4. Analysis of financial statements and performance review of the same & checking the rating of the individuals given by CIBIL & from Bank’s own data base.
5. Assess the ability and intention to pay of the customer based on the visible proofs, documents submitted by the customer and personal discussion.
6. Managing partly disburses cases and Post Disbursal Document on monthly basis.
7. Analysis of delinquency and fraud cases.
8. Periodic MIS &Tracking of portfolio performance.
9. Meeting up with all Field Investigation & DSA’s on weekly basis.
10. Monitoring the Credit Processing Associates to monitor the credit assessment target within required TAT.
11. Meeting up with Lawyers, valuers to monitor collateral values.
12. Ensure compliance with credit & operational policies and procedures on an ongoing basis & periodicaltraining of CPAs.

Desired Candidate Profile

1. Finance
2. Credit Management
3. Credit Underwriting

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