Area Credit Manager - Large Corporate - Credit Appraisal

Tata Capital

5 - 7 years

12 - 16 Lacs

kolkata

Posted:2 weeks ago| Platform:

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Skills Required

financial analysis accounting credit appraisal underwriting financial modelling risk management balance sheet credit underwriting credit analysis credit risk credit management auditing cam credit policy cash flow credit risk analysis finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager.

Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.
Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation.

Major Deliverables:

To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
Perform detailed financial analysis and attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement/ variance in accordance with the accounting standards.
Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.
Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.

Educational Qualification:

Desired Experience:

Preferably having relevant experience of min 5-7 years
At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures.

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