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Electronica Finance
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Branch Credit Manager-Rajkot

Branch Credit Manager-Rajkot

Electronica Finance

5 - 7 years

6 - 10 Lacs

Rajkot

Posted:3 months ago| Platform:

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Skills Required

Credit Appraisal Business Loan Credit Underwriting Working Capital Machinery Loan Credit Analysis Loan Against Property Credit Management Credit Monitoring SME

Work Mode

Work from Office

Job Type

Full Time

Job Description

Interested Candidate can share CV

vaibhav.macwan@efl.co.in

Role & responsibilities

Financial Analysis:

Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants.
Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications.

Credit

Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors.
Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements.

Loan Structuring:

Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company.
Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability.

Documentation and Compliance:

Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines.
Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information.

Communication and Decision Making:

Present credit proposals and recommendations to senior management and credit committees for approval.
Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications.

Preferred candidate profile

Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr.

Perks and benefits

Best as per industry standards

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