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Tata Capital
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Area Credit Manager - Emerging Corporate - Credit Appraisal

Area Credit Manager - Emerging Corporate - Credit Appraisal

Tata Capital

2 - 7 years

13 - 18 Lacs

Coimbatore

Posted:5 days ago| Platform:

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Skills Required

financial analysis risk assessment credit underwriting credit appraisal financial modelling risk management balance sheet credit analysis credit risk credit management auditing sales working capital underwriting credit assessment ca finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced Credit Manager to join our team in Coimbatore. The ideal candidate will have 2 to 7 years of experience in credit appraisal, risk assessment, and financial analysis.
Roles and Responsibility

Prepare and amend notes and financial models with correct information.

Develop credit notes detailing transaction structure and credit assessment.

Regularly interact with collections and sales teams to track delinquencies and study delinquent cases.

Meet customers to understand industry and market trends.

Perform detailed financial analysis, attending to major movements in P&L and Balance sheet.

Control and monitor post-disbursement documents, invoices, insurance, and RC through interactions with sales and customers.

Manage the portfolio to meet quality documentation, post-disbursement documents, and delinquency levels requirements.

Work on projects and process improvements.

Conduct detailed financial appraisals covering business models, working capital cycles, profitability, and other key factors.

Develop market intelligence by engaging with people from other banks and FIs regarding their policies, focus areas, and portfolio health.

Identify automation opportunities in existing processes and new product development.

Ensure high-quality credit underwriting and raise early warning signals for stress accounts, taking timely measures for exit.

Ensure minimal audit queries, including RBI and statutory audits, and resolve them within prescribed timelines.

Participate actively in customer visits and provide regular MIS on market intelligence.

Job

Minimum 2 years of experience in credit appraisal, risk assessment, or financial analysis.

Strong knowledge of credit underwriting, financial modeling, and risk assessment.

Excellent analytical and problem-solving skills.

Ability to work effectively with cross-functional teams.

Strong communication and interpersonal skills.

A minimum degree of MBA/PGDBA/PGPM/CA or equivalent is required.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Area Credit Manager - Emerging Corporate - Credit Appraisal