2193 Credit Analysis Jobs - Page 9

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 Risk Assessment: 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

Job Purpose To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. Adherence to the policy/process laid out by the Central team on all application being processed Very close monitoring on Non-starters EMR 3-30 & 6-60 trends so as to ensure healthy portfolio. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. To ensure vendor report quality. Role & responsibilities Preferred candidate profile Basic Aptitude Understand and Reading Financial Statement Understanding of Agricultural nuances are an added advantage Interpersonal Skills Good Communication Skills Ability to negotiate

Job Description A Commercial Real Estate (CRE) Underwriter plays a crucial role by underwriting at an advanced level of complexity for commercial portfolios. Provide guidance to structuring, servicing, and analysis for both new and renewal credits. The underwriter identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assess and communicate risks to assist department risk mitigation strategies. Products include lines of credit, term loans, real estate loans, and syndicated loans. Key Responsibilities Underwriting: Underwrites commercial credit actions according to applicable regulations, procedures, and guidelines Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring Ensures all involved parties are updated on underwriting progress and outcome Analysis: Conduct thorough due diligence, including reviewing financial statements, property appraisals, rent rolls, and market studies Utilize various financial models and software to assess cash flow, debt service coverage ratios, loan-to-value ratios, and other key financial metrics Conduct cash flow analysis, sensitivity testing, and calculate DSCR/LTV/Debt Yield Sources, compiles, and interprets financial data to support structuring and approval of loans Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower Utilizes results of analysis to underwrite commercial loans Valuation: Well versed in real estate valuation methods like Gross rent multiplier (GRM), Value per door and Cost per rentable square foot Risk Management: Evaluate borrower financials, guarantor liquidity, lease terms, and market conditions using third-party reports (appraisals, environmental assessments) Identifies risks through reviews, analysis, and research of new and existing commercial credit requests and relationships Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the commercial portfolio Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management Documentation and Compliance : Analyse loan agreements, covenants, and securitization documents for CMBS deals to ensure compliance. Prepare detailed credit memos and underwriting reports that summarize findings and provide recommendations for credit approval or denial. Ensure compliance with internal policies, regulatory guidelines, and industry standards throughout the underwriting process. Collaborate with legal and compliance teams to ensure all required documentation is complete, accurate, and properly filed. Client Interaction and Relationship Management: Work closely with loan officers, brokers, and clients to gather necessary information and clarify concerns during the underwriting process. Provide exceptional customer service by maintaining clear and effective communication with all stakeholders. Build and maintain strong relationships with clients, industry professionals, and internal teams to facilitate smooth transactions Qualification: Bachelor/master's degree in commerce, Finance & Accounting Minimum 2 to 4 years of relevant experience in CRE underwriting Willing to work in night shifts willing to work from office Interested candidate please share the profiles to priyadarshini.narayanan@cognizant.com

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. Your main duties will include supporting and collaborating with business teams to oversee the end-to-end credit approval process for the designated region. You will underwrite cases, present them to senior management, and authorize any deviations raised by underwriters in compliance with credit policy. Additionally, you will be required to finalize the review of credit memos prepared by underwriters, approve or decline sign-offs on each file after verifying documentation requests, and approve all disbursement requests based on adherence to agreement value requirements and full documentation attainment at the branch level. You will also monitor and supervise Personal Discussion Document (PDD) management, ensuring timely completion through customer visits for high-value cases. Your role will involve coordinating with external vendors such as Financial Institutions (FI), Legal, and Technical valuations to resolve queries and ensure timely report submissions, eliminating any undue delays. You will also work closely with the recoveries team to gain valuable business insights and lead a team of credit approvers to maintain portfolio quality and minimize delinquencies. Furthermore, you will engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to enhance the team's competency, and improving processing efficiency. It will be your responsibility to ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. You will also need to adapt underwriting norms to local market requirements and continuously enhance and execute consumer credit risk strategies. The ideal candidate for this position should possess an MBA/PGDBA/PGPM/CA or equivalent qualification.,

About Biz2X Biz2X is the leading digital lending platform, enabling financial providers to power growth with a modern omni-channel experience, best-in-class risk management tools, and a comprehensive yet flexible Servicing engine. The company partners with financial institutions to support their Digital Transformation efforts with Biz2X's digital lending platform. Biz2X solutions not only reduce operational expenses but also accelerate lending growth by significantly improving client experience, reducing total turnaround time, and equipping relationship managers with powerful monitoring insights and alerts. Key Responsibilities: You will be responsible for building credit risk models, driving underwriting and credit decisions, and ensuring optimization across risk, pricing, and business growth. You'll play an important role in shaping our lending products and processes, ensuring they are built on a solid foundation of prudent risk management. - Credit Decisioning: Leverage or build advanced credit risk models (functional rule-based/heuristics and machine learning models) and lead critical credit decisions. - Policy Development: Assist in drafting a detailed risk policy for the business loan business and closely monitor the adherence to the same. - Data Utilization: Work extensively with Credit Bureau, Bank statement, financial data. Identify and evaluate alternate data features to explore credit expansion opportunities. - Team Development: Coach and mentor younger team members to create a world-class credit team both in functional credit analysis and machine learning-based models. - Reporting and Monitoring Systems: Drive robust monitoring and alerting systems for early warning signals of delinquencies in the portfolio, ensuring agility in decision-making. Perform Root cause analysis and present those to stakeholders in a timely fashion. - Underwriting: Responsible for managing the underwriting operations and performing risk assessment for various policies. You Should Apply If You: - Risk professional with 4+ years of experience across a bank/NBFC with experience across retail-individual and retail business (micro-businesses) underwriting/fraud/risk/collection. - Strong hands-on experience and expertise in building Machine Learning-based underwriting statistical models. - Deep domain/functional knowledge in credit underwriting/credit analysis. - Proven experience in underwriting risk management in the fintech or financial services industry, with a focus on credit risk. - Strong knowledge of fintech products, unsecured lending products, services, and technologies, as well as the regulatory landscape governing the industry. - Experience in Product and Credit Policy formulation, Collections and Recovery, Fraud, and Operational Risks. - Exceptional analytical and problem-solving skills, with the ability to assess complex situations and make sound decisions. - Strong leadership capabilities with the ability to build and lead a high-performing risk management team. - Excellent Analytical and Data Science capabilities. Apply on - https://app.intalent.ai/biz2credit/recruitment/candidate/new/366,

You will be working as a Business Loan Manager at First Adviser, a financial services company based in New Delhi. In this full-time on-site role, your primary responsibilities will include handling business loan applications, evaluating financial documents, assessing creditworthiness, and ensuring compliance with lending regulations. Your role will also involve closely collaborating with clients to understand their financial requirements and offering them appropriate loan solutions. To excel in this position, you should possess a strong background in financial services, banking, or a related field. Prior experience in loan underwriting, credit analysis, and risk management will be highly beneficial. Excellent analytical skills, attention to detail, effective communication, and interpersonal abilities are essential for success in this role. A Bachelor's degree in Finance, Business Administration, or a related field is required, while a Master's degree would be considered a plus.,

As an Underwriting Analyst at Accenture, you will be responsible for analyzing and evaluating credit portfolios and financial reports. Your role will involve interpreting financial data, assessing market trends, and evaluating the potential impact on client operations and financial performance. This includes conducting climate risk assessments and industry research. Your tasks will also include assessing the creditworthiness and financial strength of clients through critical financial and risk analysis. You will utilize qualitative and quantitative data from recommended institutions such as S&P, Moody's, and Fitch to provide recommendations for risk rating and classifications. In addition, you will be expected to complete credit and financial risk analysis reports with clear and concise critical analysis based on informed judgment. This analysis should be conducted in alignment with Underwriters" guidelines and risk appetite. It will involve evaluating various factors such as mergers and acquisitions, claims and litigation, international exposure, regulatory developments, financial performance, and cash flow. To excel in this role, you should hold a Bachelor's degree in accounting or finance. A CPA or MBA would be a bonus. Ideally, you should have 2-3 years of experience in corporate credit analysis from a bank or similar financial institution. It is essential to have a strong understanding of US GAAP financial statements and familiarity with US industrial, commercial, capital, and consumer sectors. Your responsibilities will include financial analysis, risk and credit underwriting, and utilizing fundamental analytical skills to identify trends and anticipate future challenges and risks. You will analyze and rate a company's profitability, asset quality, liquidity, leverage, and credit histories. Furthermore, you will support Underwriters and Credit Officers in buyer administration tasks such as setting up buyer accounts, identifying buyer DUNS, and performing automated buyer credit limits. Strong communication skills, both oral and written, are crucial for this role. You will be required to complete extensive write-ups to analyze risk and present them clearly for credit officers and underwriters to understand. Additionally, you may need to communicate via email or Microsoft Teams with credit officers and underwriters. If you have previous experience as a credit analyst, credit risk analyst, or equity financial analyst in financial institutions, and possess the necessary qualifications and skills outlined above, we encourage you to apply for this position and be part of our dynamic team at Accenture.,

The job requires experience in US RESIDENTIAL MORTGAGE with a minimum of 3+ years. The job locations available are Mumbai, Chennai, Bangalore, and Hyderabad. Key skills needed include Underwriting and US mortgage expertise. The ideal candidate should possess at least 3+ years of US mortgage underwriting experience and be well-versed with FNMA, FHLMC, with knowledge of GNMA and investor guidelines being an added advantage. Strong analytical and problem-solving skills are essential for this role. The candidate should also demonstrate decision-making abilities when applying business judgment. Responsibilities include evaluating complete loan documents and providing approval or denial decisions, thorough review of credit reports, income calculations, collateral and property valuation, and assets verification. Credit analysis based on the 4Cs of Underwriting (Income, Asset, Liability, and Collateral) to determine the creditworthiness of customers is a crucial aspect of the role. The candidate will be responsible for validating and processing loan documents on behalf of a Mortgage lender organization. Excellent communication, presentation skills, self-motivation, and hard work ethic are desired qualities. The job is full-time and permanent, offering benefits like health insurance and provident fund. The work schedule may include night shifts, rotational shifts, UK shifts, US shifts, and weekend availability. The work location is in person.,

Role & responsibilities Perform in-depth fundamental credit analysis on Indian issuers including corporates, NBFCs, banks, and government entities. Analyze financial statements, cash flows, debt covenants, and credit ratios to determine creditworthiness. Track sectoral trends, regulatory developments, and economic factors affecting credit risk. Monitor macroeconomic indicators, interest rate movements, and global/local events impacting Indian debt markets. Prepare detailed credit notes, investment memos, and internal research reports with risk assessments and recommendations. Support portfolio managers in evaluating credit risk across portfolios and identifying new investment opportunities. Track and analyze credit rating movements, outlook changes, and material developments for issuers in the portfolio. Ensure compliance with internal risk guidelines and regulatory frameworks during credit evaluations. Engage with rating agencies, issuers, arrangers, and market participants to source credit information and insights Preferred candidate profile Education: CA or Masters degree in Finance, Economics, Accounting, or a related field. Certifications: CFA, FRM, or similar credentials (completed or in progress) are highly desirable. Experience: 2 to 5 years of relevant experience in credit analysis, financial research, or fixed income markets, preferably in a credit rating agency or asset management platform. Technical Skills: Strong proficiency in Excel; familiarity with Bloomberg is a plus. Understanding of credit risk, financial ratios, bond valuation, and fixed income securities (corporate and government bonds). Market Knowledge: Strong grasp of the Indian fixed income market, credit ratings, and macroeconomic indicators. Soft Skills: Excellent report writing, and communication skills with attention to detail.

Job brief We are looking for a Credit Manager to oversee our companys lending process, from evaluating clients creditworthiness to approving or rejecting loan requests. Credit Manager responsibilities include creating credit scoring models, setting loan terms and determining interest rates. To be successful in this role, you should have a degree in Accounting or Finance along with experience processing loan applications. Previous banking experience is a plus. Ultimately, you will help us minimize bad debts and increase revenues from loans. Responsibilities Research and evaluate clients creditworthiness Create credit scoring models to predict risks Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications Follow up with clients to manage debt settlements and loan renewals Ensure all lending procedures comply with regulations Develop, review and update our companys credit policies

We are looking for a highly skilled and experienced professional to join our team as an Associate/Senior Associate - Debt Syndication/NPA Resolution. The ideal candidate will have 2-10 years of experience in the IT Services & Consulting industry, preferably with a background in debt syndication or NPA resolution. Roles and Responsibility Manage and coordinate debt syndications to ensure timely and successful project execution. Develop and maintain relationships with clients, lenders, and other stakeholders to facilitate effective communication and collaboration. Conduct thorough analysis of financial data and market trends to identify opportunities for growth and improvement. Collaborate with cross-functional teams to develop and implement strategies for NPA resolution and debt management. Provide expert advice and guidance on debt syndication and NPA resolution matters to internal stakeholders. Monitor and report on key performance indicators (KPIs) related to debt syndication and NPA resolution. Job Requirements Strong understanding of debt syndication principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong relationship-building and negotiation skills. Experience working with financial data analysis tools and software. Strong attention to detail and organizational skills.

Develop business strategies aligned with Company's mission and objectives, ensuring sustainable growth and market leadership. Identify new business opportunities, forge strategic partnerships, and expand the company's client in the credit rating Ind. Required Candidate profile This leadership role is pivotal in driving business growth, overseeing strategic initiatives, and managing overall operations to ensure profitability and market competitiveness.

Role & responsibilities: Reviewing and Evaluating Proposals : Assessing construction finance or developer finance proposals initiated by the sales team. This involves analyzing cash flows, evaluating the viability of real estate projects, and considering legal and technical aspects. Additionally, visiting project sites alongside the business team. Coordinating with Internal Legal and Technical Teams : Collaborating with in-house legal and technical experts to evaluate project feasibility. Detailed Due Diligence : Conducting thorough due diligence on proposal data. Cash Flow and CAM Evaluation : Analysing project cash flows and evaluating Credit Appraisal Memo (CAM). Recommendations to Approving Authority : After evaluation, recommending construction finance proposals to the approving authority. Pre-Disbursement Conditions Assessment : Evaluating pre-disbursement conditions before funds are released. Post-Disbursement Monitoring : Monitoring disbursements, ensuring compliance with covenants, and overseeing project progress. Ongoing Project Monitoring : Continuously monitoring funded projects after disbursement. Subsequent Tranche Disbursements : Releasing subsequent tranches as needed. Issuing NOC for Unit Sales : Providing a No Objection Certificate (NOC) for selling units or apartments. Periodic Portfolio Assessment: Regularly assessing project performance in comparison to actual targets, either monthly or quarterly. Specialized Competencies : Analytical Skills : Proficiency in analysing financial data and making informed decisions with available data. Credit Appraisals/ Project reports : Assessing mid-size loan proposals (ranging from 5 to 40 Cr or more). Real Estate funding/ Project Finance Understanding : Familiarity with the real estate business, including builder and developer practices. Legal and Technical Knowledge : Understanding regulations, legal complexities, and technical requirements related to real estate development. Preferred candidate profile At least 3 years of relevant experience in developer finance, project finance, real estate funding, or construction finance credit. Candidates should hold a CA or MBA degree. Desired Attributes: Project Finance Credit: Familiarity with credit assessment in project finance or real estate finance. Language Proficiency: Fluency in the local language, English and/or Hindi. Team Collaboration: Ability to work with team.

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally. MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct sector research to support the analysis. Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Propose obligor ratings using our internal rating tools. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. Assist in special credit related assignments and projects, as required. COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines. Ability to identify and accommodate shifting priorities with little notice Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. Acquire ability to complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. TECHNICAL SKILLS Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors. Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SGs internal systems. Desired: Knowledge of capital markets/traded products and committed financing facilities Knowledge of Asset Management and Banking Industry. Advanced Excel skills, such as macros and pivot table

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Managers, Agent Lenders and other NBFIs). MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: agent lenders, asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct sector research to support the analysis. Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Propose obligor ratings using our internal rating tools. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. Assist in special credit related assignments and projects, as required. COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines. Ability to identify and accommodate shifting priorities with little notice. Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. Acquire ability to complete work with minimal or no supervision. Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. TECHNICAL SKILLS Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis. Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors. Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s). Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions. Develop competency with SGs internal systems. Desired: Knowledge of capital markets/traded products and committed financing facilities. Knowledge of Asset Management and Banking Industry. Advanced Excel skills, such as macros and pivot tables

GLBA/CPM/AME/COR : Global Banking Advisory (GLBA) / Credit Portfolio Management (CPM) / Americas (AME) / Corporates (COR) CPM manages GLBA's loan book across geographies with the objective to enhance capital optimization and disciplined portfolio management. Primary role of CPM/AME is to perform end-to-end credit analysis of SG Americas corporate banking clients including but not limited to analysing clients credit worthiness, assigning credit ratings, understanding corporate banking products, recommending risk mitigants, continuous tracking of the banks overall exposure to our clients and ensuring compliance to all applicable regulatory guidelines. Role Description: This position has a focus on Credit Administration function supporting the AMER region of GLBA/CPM in the Corporates vertical. The Credit Admin role in GLBA/CPM Bangalore entails supporting and assisting analysts covering AMER portfolio in performing credit analysis. Key responsibilities include: - Credit Approvals - assisting the credit analysts on Annual reviews and Credit transaction requests o Follow-up with Banks Business Lines (BLs) to (i) initiate renewals and (ii) provide timely approvals on time credit file o Work with BLs to ensure that system-based credit requests are complete prior to submission to senior management o Post approval activities - Ensure the banks reporting system are correctly updated o Delegations: (i) Check delegations for credit requests and ensure that correct approval levels are outlined in the credit applications (ii) Populate the list of people required to approve a credit request from both a credit and policy point of view o Driving improvement in client referential data quality - Financial Spreading and Ratings o Obtain latest financial statements from BLs and save in the shared drives o Upload financial statements to SGs internal financial spreading application and validate as needed. o Ensure that validated financial statement data is flowing correctly into the banks rating tools o Follow up with RISK teams for ratings approvals o Review the Missing / Expired rating report to identify any ratings that need to be renewed and trigger remediation o Alert on exposure without ratings o Update Peer comparison table - Exposure and concentration management: o Outline all existing credit facilities and exposure in the credit application o Maintain Global Exposure Summary Schedule (including Global approval envelopes) on an ongoing basis o Work with BLs to correct exposures / Client groupings. Ensure data accuracy in exposure / concentration applications o Monitor overshoots and assess whether it is an active or a passive overshoot by liaising with the BL o Following up with BLs for status on unpaid / past due exposure and to understand if this is technical or not. Assist Credit analysts in (i) addressing these defaults (ii) provide RISK a valid rationale for clients inability / unwillingness to clear its dues. - Other aspects of the credit process + Transversal activities o Guarantee Analysis - Sourcing of the Guarantee / support documentations from tools / business lines etc. o Assist Credit Analysts with the monitoring of the portfolio o Complete weekly workflow trackers and ensure that the pipeline is up to date. o Regularize credit approvals in systems, as needed. o Assist with deal closing activities o Assist management in ad-hoc projects Profile required Skills - Basic understanding of the credit processes of a global multinational bank - Intermediate financial spreading skills and understanding of accounting (US GAAP and IFRS). - Basic Knowledge of capital markets / traded products, commercial financing facilities and investment banking products. - Advanced knowledge of MS Word, MS Excel, MS PowerPoint - Strong behavioral skills such as ownership, communication skills, negotiation skills, independence, problem solving capabilities - Ability to complete work with minimal or no supervision and accommodate shifting priorities. - English strong written and spoken required Educational Qualifications: Graduate or Postgraduate in Finance Experience Level: (i) Two to five years of experience in credit operations / credit support / middle office (ii) Experience in corporate banking / market risk products of large multinational banks would be an added advantage.

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

Role - Micro Loan Officer - Field Officer Reporting To Branch Manager 1. Starting business in a new village a. Village identification within the radius b. Feasibility study of the village based on demographics, activities and financial needs ofthe customers c. Assist the MC-IC in making the village approval 2. Sourcing of business a. Identification of customers and forming of Joint Liability Groups b. Filling up of the application form c. Verification of the residence and business of the customer d. KYC verification e. Pre-disbursement training f. Visiting potential customers in order to develop business 3. Disbursements a. Collection of KYC documents b. Assisting the MC-IC for disbursement activity completion c. Loan documentation 4. Collection of current dues a. Collect the collection sheets and stickers from MC-IC b. Group-wise collection as per scheduled time by following the process c. Deposit of collection money d. MERC entry 5. Collection of over dues a. Follow up with the customers with updated data report of assigned portfolio b. Collection of money as per process c. Depositing the money in bank d. MERC entry e. Assist the MC-IC in initiating action against the defaulters Eligibility:Interested in Sales and CollectionsGraduate / Post Graduate / 12 th / Diploma

Role - Micro Loan Officer - Field Officer Reporting To Branch Manager 1. Starting business in a new village a. Village identification within the radius b. Feasibility study of the village based on demographics, activities and financial needs ofthe customers c. Assist the MC-IC in making the village approval 2. Sourcing of business a. Identification of customers and forming of Joint Liability Groups b. Filling up of the application form c. Verification of the residence and business of the customer d. KYC verification e. Pre-disbursement training f. Visiting potential customers in order to develop business 3. Disbursements a. Collection of KYC documents b. Assisting the MC-IC for disbursement activity completion c. Loan documentation 4. Collection of current dues a. Collect the collection sheets and stickers from MC-IC b. Group-wise collection as per scheduled time by following the process c. Deposit of collection money d. MERC entry 5. Collection of over dues a. Follow up with the customers with updated data report of assigned portfolio b. Collection of money as per process c. Depositing the money in bank d. MERC entry e. Assist the MC-IC in initiating action against the defaulters Eligibility:Interested in Sales and CollectionsGraduate / Post Graduate / 12 th / Diploma

Job description - Micro Loans Department Frontline MFI Designation Micro Loans Officer Reports to Meeting Centre Manager Duties and responsibilities 1.Starting business in a new village a.Village identification within the radius b.Feasibility study of the village based on demographics, activities and financial needs of the customers c.Assist the MC-IC in making the village approval 2.Sourcing of business a.Identification of customers and forming of Joint Liability Groups b.Filling up of the application form c.Verification of the residence and business of the customer d.KYC verification e.Pre-disbursement training f.Visiting potential customers in order to develop business 3.Disbursements a.Collection of KYC documents b.Assisting the MC-IC for disbursement activity completion c.Loan documentation 4.Collection of current dues a.Collect the collection sheets and stickers from MC-IC b.Group-wise collection as per scheduled time by following the process c.Deposit of collection money d.MERC entry 5.Collection of over dues a.Follow up with the customers with updated data report of assigned portfolio b.Collection of money as per process c.Depositing the money in bank d.MERC entry e.Assist the MC-IC in initiating action against the defaulters

1. JOB PURPOSE : Doing field investigation and cross verification of disputed files coming from credit 2. PRINCIPAL ACCOUNTABILITIES Loan Collections Officer for multi-type of loans Collect all past due balances 30 days+ Interacting with sales representatives and attended biweekly meetings with staff to discuss and plan strategies of resolving and curbing Collection issues 3. DIMENSIONS Financial Dimensions (if applicable) Other Dimensions 4. SKILLS AND KNOWLEDGE Street Smart Aggressive 5. Educational Qualifications Graduate Functional Skills Relevant and total years of Experience 0-3 years