1497 Credit Appraisal Jobs

As a Credit Appraiser, your primary responsibility will be to evaluate loan applications based on defined guidelines and make informed decisions or provide recommendations for approval to senior management. This involves utilizing performance history as well as liquidity, debt/asset management, and profitability ratios to assess the creditworthiness of applicants. You will also be required to interact with customers to understand and monitor delinquencies, while ensuring a high-quality loan portfolio. On a daily basis, you will be expected to review the Medical Loan files, engage in discussions with the Medical Equipment team, and prepare credit underwriting reports for assigned cases. Additionally, conducting personal discussions with customers regarding their Medical Loan applications and making decisions within the given Turnaround Time (TAT) will be part of your routine tasks. You will also be responsible for making tele-verification calls to customers as part of the credit appraisal process.,

Roles and Responsibilities Manage credit risk by assessing borrower's financial status, evaluating loan applications, and determining loan amounts. To manage credit management function and oversee the according to, policy and process credit control of all loan files. To achieve disbursement target as per the business plan To take prudent credit decision & sanction proposal based on available information and interact with the applicants To execute credit appraisal and monitor the same for the location Ensure adherence to the policy & compliance in, the location To execute productivity as per the business plan To ensure TAT as per the policy for seamless business operations, To ensure portfolio quality To maintain the approval rate as per the policy guidelines To coordinate with the sales team and develop, business strategies

Roles and Responsibilities Manage a team responsible for credit appraisal, monitoring, and underwriting across multiple locations. Oversee the entire credit lifecycle from application to disbursement. Develop and implement effective credit policies and procedures to minimize defaults. Collaborate with internal stakeholders to resolve complex credit issues. Ensure compliance with regulatory requirements and industry standards.

As an Associate Relationship Manager-NBFC in the Wholesale Banking department, your main responsibility will be to prepare credit proposals in order to support credit committee decisions related to the clients" portfolio quality, capital adequacy, liquidity, management quality, and credit rating for the proposed financing. Your roles and responsibilities will include performing credit appraisals of NBFC & NBFC-MFI clients by analyzing factors such as AUM growth, portfolio quality & performance, portfolio growth, management quality, CAR, and balance sheet analysis. You will be responsible for preparing credit proposals that combine financial analysis with sectorial information to aid credit committee decisions. Additionally, you will liaise with Credit Risk and Compliance departments to ensure the credit memo is approved internally. You will be expected to handle Early Warning Signal meetings and provide appropriate responses for each observation to maintain overall portfolio hygiene. Supporting Relationship Managers & Senior Relationship Managers in client meetings, internal presentations, and MIS will be part of your duties. You will also be involved in loan disbursement & documentation functions, working closely with legal, compliance, and audit departments on proposal aspects. Building and improving business relationships with clients by visiting them will be essential. You will proactively assist RMs/SRMs in preparing business/account plans, identifying target clients, and conducting Centre & Branch visits for NBFC/MFIs. Regular interaction with clients, external rating analysts, and maintaining call reports will be crucial in this role. Analyzing quarterly financial performance, Receivable Audit, and highlighting trends and deviations in collections & overall portfolio quality periodically will also be part of your responsibilities. To qualify for this role, you should have a Graduation degree, preferably in any field, along with a Post-graduation degree. A professional qualification as a Chartered Accountant (CA) is required. A minimum of 2-5 years of experience in portfolio management & credit analysis roles is preferred.,

The Assistant Manager, Corporate Strategy and Planning will be a key contributor to the strategic direction and operational efficiency of the organization. You will collaborate closely with senior leadership to drive long-term strategic initiatives, conduct detailed financial analysis, and lead market research efforts. Your role will require a blend of analytical skills, strategic thinking, and project management expertise to support the company's growth objectives. Your responsibilities will include assisting in the development and execution of corporate strategy and long-term business plans. You will work with various business units to align organizational goals with strategic initiatives and analyze industry trends, competitors, and potential market opportunities. In the financial domain, you will be responsible for analyzing financial statements, cash flow projections, EBITDA, and conducting sensitivity analysis. You will independently analyze financial models with external stakeholders and prepare presentations for capital raise transactions. Additionally, you will support senior management in interactions with banks, financial institutions, funds, and legal experts for due diligence and documentation in capital raising activities. As a project manager, you will oversee cross-functional projects related to strategy execution, ensuring timely and budget-compliant delivery. You will track project progress and provide regular reports to senior management. Your role will also involve conducting market research to identify growth areas and inform investment decisions. Staying abreast of industry trends and emerging technologies will be crucial to helping the company maintain a competitive edge. To qualify for this position, you should hold a CA or MBA from a reputable institution. 2-5 years of experience in corporate strategy, financial planning, or business consulting is required. Your expertise in financial modeling, credit appraisal, and valuation will be essential. Proficiency in financial statement analysis, accounting principles, cash flows, and financial ratios is a must. Familiarity with banks" credit policies, RBI guidelines, and NBFC-specific regulations is preferred. Prior experience as a credit analyst in banks, NBFCs, or financial institutions, particularly in mid to large corporate teams, is advantageous. Experience in debt or equity raising activities, especially for amounts exceeding 200 Cr, will be a plus.,

Job Requirements Role/Job Title: Associate Relationship Manager-NBFC Function/ Department: Wholesale Banking Job Purpose Prepare credit proposals to support credit committee decisions regarding the clients portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc. of the proposed financing. Roles & Responsibilities Performing credit appraisal of NBFC & NBFC-MFI clients through analyzing factors such as AUM growth, Portfolio quality & performance, Portfolio growth, Management quality, CAR, balance sheet analysis etc. Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the clients portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc. of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally. Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene Assisting Relationship Managers & Senior Relationship Managers on clients meetings, internal presentations, and MIS Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals Visiting clients to improve business relationship with them. Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification. Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports. Analyzing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically Educational Qualification Graduation: Any Graduation Post-graduation: Any Post-graduation Professional Qualification/Certification: Chartered Accountant (CA) Experience: 2-5 years of experience in portfolio management & credit analysis role Show more Show less

HDB Financial Services Ltd. Looking for #BranchCreditManager #Product - #LAP (Secured) and #PL/BL (Unsecured) #Skills - Underwriting and PD is must #Experience -3-7 years in Credit underwriting & CAM #Education - any graduate #Locations .- Moradabad Relevant candidates can share CVs at rupali.vishal @hdbfs.com with the subject line Branch Credit Manager_location.

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Role & responsibilities Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Preferred candidate profile Credit Decisions Take sound lending decisions based on available information & interactions with the applicants. Manage credit quality and control delinquencies, frauds. Monitoring Performance Managing performance in terms of key drivers i.e. oLoses / Portfolio quality parameters oCost of credit administration oEmployee Productivity

Manage the corporate / large accounts underwriting Handle supply chain finance tickets Work in collaboration with business and processing teams to achieve the set targets. Calculate and eliminate all types of risks associated. Required Candidate profile 5+ yrs of exp. as credit manager handling large accounts / inventory funding loans Job location - Chennai, TN

Manages the credit appraisal process , by ensuring adherence to the standard process, Turn Around Time and decision consistency Ensuring the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality. Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions. Monitor the accounts to ensure maintenance of a healthy portfolio. Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives Maintain the Customer escalations within the desired levels for the location Ensure timely completion of key deliverables, audit queries and adherence to the corporate credit policy/ scheme Provide regular updates on all key activities to regional manager

Department: Lending Services 0-2 months' notice candidates preferred due to business need Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Credit Lens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Department: Lending Services 0-2 months' notice candidates preferred due to business need. Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / CreditLens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios, and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Roles and Responsibilities Conduct credit appraisal, assessment, and evaluation of loan proposals to determine creditworthiness. Perform physical verification of assets to verify collateral value. Review financial statements, industry trends, and other relevant data to inform lending decisions. Collaborate with internal stakeholders to resolve queries and ensure smooth processing of loans. Maintain accurate records of all transactions and communicate effectively with customers. Desired Candidate Profile 4-7 years of experience in Credit Management or related field (NBFC). Strong understanding of credit underwriting principles, policies, and procedures. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while maintaining high levels of accuracy. Interested candidates can share their updated CV on below mentioned email id Email id:- poonam.sharma@aavas.in

Roles and Responsibilities Manage credit proposals from field teams, ensuring timely completion of appraisal reports within TAT. Conduct thorough credit assessment and analysis to determine loan eligibility. Perform field verifications to gather required documents and information for loan processing. Ensure compliance with regulatory guidelines and internal policies during credit approval process. Desired Candidate Profile 2-5 years of experience in Credit Management, preferably in an NBFC or banking industry. Strong understanding of credit appraisal, assessment, and approval processes. Excellent communication skills for effective collaboration with team members and stakeholders. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share updated cv on tushar.ravalji@aavas.in or whats up 9057409096

Job Title : Credit Specialist Job Summary : Responsible for Credit reviews for management by researching and analyzing sales data, customer accounts, business information and management reports Essential Job Duties : Analyzing the credit data and financial information of the individuals or companies in order to determine the risk involved in offering them credit Preparing management reports about degree of risk in giving the customers credit terms such as various collection reports Coordinating with sales/Collections/Billing department for proper documentation of customers requirements, change of address/payment plans/change of business information/collecting US states certificates Validating the Sales tax exemption documents submitted by the customers. Understand different credit rating companies scores and analyze the information provide on the documents to reach to an accurate decision about customer business. Use reports to develop Process Improvement ideas and coordinate with Manager for implementation Basic Qualifications (Minimum Required Experience, Education, Key Attributes ): Education & Experience: Commerce graduate/Post Graduation. Minimum of 1- 3 years of relevant experience. Knowledge/Skills/Abilities: 1-4 Years experience in an US/ Europe Accounts Receivable profile Ability to work in a fast paced environment Good written and verbal communication skills Basic to intermediate skill level in Microsoft Excel, PowerPoint Willingness to learn new skills Should have a Do what it takes’ and a ‘I must deliver’ attitude

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

Role & responsibilities Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates Banks products in the market Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group.

Role & responsibilities Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates Banks products in the market Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group.

Role & Responsibilities Revenue Generation Achieve bank's objectives in terms of earnings, assets, liabilities, credit quality, etc., as per agreed budgets/targets across all product groups. Relationship Management Seek and acquire new client relationships by understanding financial needs and offering appropriate bank products and services. Manage client relationships end-to-end: need identification, advisory, deal structuring, and closure. Assess client banking needs and risk profiles to ensure optimal risk-reward balance for the bank. Communication & PR Execute brand communication initiatives for designated products. Communicate product positioning and differentiation in the market effectively. Market Research Demonstrate understanding of consumers, competitors, and market dynamics using both primary and secondary research. Credit Appraisal Conduct in-depth analysis of income statements, balance sheets, financial ratios, cash flows, management quality, industry outlook, and economic environment. Documentation & Compliance Maintain high standards of documentation, process compliance, and client communication on an ongoing basis.

Role Overview: The Relationship Manager is responsible for revenue generation, client acquisition, credit appraisal, and overall portfolio management. The role includes handling team performance, ensuring compliance, mitigating risk, and actively participating in market research and product communication strategies to meet the bank's business objectives. Key Responsibilities: Revenue Generation & Team Handling Achieve business targets in terms of earnings, assets, liabilities, and credit quality as per agreed budgets Lead the team towards achieving performance goals and ensure alignment with the bank's objectives Monitor and drive productivity, profitability, and cross-functional coordination Relationship Management Acquire new clients by assessing their financial needs and offering appropriate banking solutions Manage end-to-end client relationships including deal structuring, documentation, and closure Optimize the risk-reward balance in each relationship by understanding client requirements and offering tailored solutions Credit Appraisal & Risk Management Evaluate financial proposals through in-depth analysis of income statements, balance sheets, cash flows, and financial ratios Analyze management and industry risks while ensuring compliance with risk policies Adhere to risk mitigation protocols and provide necessary documentation for audits and internal reviews Communication & Product Positioning Support brand and product communication initiatives for key offerings Clearly articulate product positioning and differentiators in the market to enhance business visibility Market Research & Competitor Analysis Conduct and interpret market research to understand consumer behavior, competition, and market conditions Apply insights from both primary and secondary research to business development strategies Documentation & Compliance Ensure high standards of documentation, client communications, and compliance with internal and regulatory processes Coordinate with product teams, risk management, and other business units for effective execution Learning & Development Set and track performance goals with the reporting manager and take ownership of personal development Stay updated on industry trends, best practices, and required competencies to perform effectively

Role & responsibilities Revenue Generation Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates Banks products in the market

Role & Responsibilities Revenue Generation Achieve bank's objectives in earnings, assets, liabilities, credit quality, etc., as per agreed budgets/targets from client relationships across all product groups. Relationship Management Seek and acquire new client relationships by understanding customers financial needs and provide suitable solutions through bank products and services. Manage client relationships by identifying financial needs, advising, structuring deals, preparing terms and conditions, and closing deals. Assess banking needs and risks for clients and manage relationships to optimize risk-reward for the bank. Credit Appraisal Perform detailed analysis of Income Statements, Balance Sheets, Financial Ratios, Cash Flows, Management Risk, Industry Risk, and Economic Conditions for proposal appraisal. Documentation and Compliance Maintain high quality standards of documentation, client communication, and process compliance on an ongoing basis with product partners, OSD, Risk Management, and other Relationship Management groups. Risk and Internal Control Responsibilities Follow risk policies and processes to mitigate operational, regulatory, financial, informational, reputational, and audit risks. Execute established internal control systems and compile relevant information for departmental audits as necessary.