Area Credit Manager - Supply Chain - Credit Appraisal - Indore - M.G Road - JM Tata Capital

5.0 - 9.0 years

0 Lacs

indore, madhya pradesh

On-site

As a Credit Analyst, your primary responsibility will be to prepare and amend notes and financial models with accurate information obtained from various sources such as the business team, public domain, and other resources. You will be tasked with preparing credit notes that include detailed transaction structuring and assessment, focusing on the assessment of the sought credit facility. Regular interaction with collections and sales teams will be required to track delinquencies and study delinquent cases to derive insights and share learnings with the team. Meeting with retail and strategic customers at regular intervals to gain an understanding of various industries and markets will also be part of your role. You will be responsible for pre-approving and rating clients with exposure exceeding Rs 500L, conducting regular training sessions for sales, channel partners, and field sales staff on product policies and processes. Additionally, you will oversee the control and monitoring of post-disbursement documents through interactions with sales teams and customers. Managing the portfolio to ensure the quality of documentation, post-disbursal documents, and delinquency levels meet the required standards will be crucial. Collaborating on projects and process improvements, critically evaluating transaction risks, business and financial risks, and identifying associated risks to mitigate against them will also be key responsibilities. Performing detailed financial analysis, preparing credit notes with transaction structure views, and conducting thorough financial appraisals covering business models, working capital cycles, and profitability are essential aspects of the role. Developing market intelligence by engaging with individuals in other banks and financial institutions, identifying automation opportunities, and maintaining the quality of credit underwriting will also be part of your duties. You will need to raise early warning signals for stressed accounts, ensure minimal audit queries are addressed within prescribed timelines, and possess market knowledge of CE/CV market practices. Active involvement in customer visits and providing regular market intelligence reports will be expected. Qualifications: - Minimum Degree: MBA/PGDBA/PGPM/CA or Equivalent.,

Posted 1 week ago

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