Area Credit Manager-CEQ -Ranchi - Satya Ganga Arcade - JM

1 Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)

2 Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility

3 Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team

4 Meet customers (retail & strategic) at regular intervals to understand various industry & markets

5 Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes

• 6 Control & Monitoring of Post Disbursement Documents â€Invoice, Insurance & RC by way of interaction with sales and customers
• 7 Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
• 8 Working on projects/process improvements from time To time
• 9 Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
• 10 Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each

11 Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement

• 12 Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
• 13 Detailed financial appraisal covering the business model, working capital cycle, profitability etc
• 14 Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
• 15 Identify the automation opportunities in existing processes, new product development
• 16 Quality of Credit Underwriting
• 17 Raise early warning signals for exit of stress accounts and take due measures for timely exit
• 18 Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
• 19 Through market knowledge of CE /CV market practices
• 20 Active involvement in customer visit
• 21 Regular MIS on market intelligence.
• Qualifications -
• Minimum Degree: MBA/PGDBA/PGPM/ CA or Equivalent.