Job Description

Location : Chennai, Coimbatore, Trichy, Madurai, Tirunelveli, Chidambaram, Salem Role & responsibilities Evaluate Credit Applications : Review and assess the credit applications identified the potential borrowers to determine their creditworthiness. Conduct Financial Analysis : Analyze the financial documents, including income statements, balance sheets, and other relevant information, to assess the borrowers repayment capacity. Risk Assessment : Evaluate the risks associated with lending to each customer, considering factors such as credit history, market conditions, and the borrowers ability to repay. Approval or Rejection : Based on the assessment, either approve or reject credit applications or forward them to senior management for higher approval. Ensure Loan Disbursement : Ensure timely and accurate disbursement of loans in accordance with the approved credit terms. Document Verification : Oversee the verification and proper documentation of loan agreements, collateral, and all necessary legal and financial documents. Post Disbursement : Ensure End-use of Loan Proceeds and Asset Creation. Monitor Loan Portfolio : Continuously track the performance of the branches credit portfolio, ensuring that loans and credits are performing as expected. Identify Early Warning Signs : Identify and monitor early signs of credit risk, such as delayed payments, declining customer financial health, and external economic factors that may affect repayment. Portfolio Review : Regularly review the portfolio for any necessary adjustments, refinancing, or restructuring of loans based on performance and risk levels. Collaterals and Security : Ensure that adequate collateral or guarantees are obtained, assessed, and secured as part of the loan agreement. NBFC Experience Added Advantage Preferred candidate profile Position: Full Time Qualifications: We are currently seeking candidates who hold an UG and Above Qualification for this Position. Candidate's Should have experience in Credit. Excellent organizational skills and attention to detail. Strong supervisory and leadership skills. Time-management skills Ability to handle confidential information Perks and benefits Yearly Bonus Employee Insurance Food & Accommodation PF & ESI Contact Persons : Vignesh R : 8667792138 Janarthanan Coimbatore RHR : 934491327 Venkatesh Chennai RHR : 9994417866 Vadivel Trichy RHR : 9362133141 Gokul Salem RHR : 6382594271 Muthukumar Nellai RHR : 9500343781 Perumal Madurai RHR : 9940995494 Seralathan Chidambram RHR : 9360057304