1497 Credit Appraisal Jobs - Page 11

About The Role Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluationStock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role )NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies infants.Infant loan which is less than 12 months NPA Ensure qualitative portfolio

To assess, analyze, and appraise credit proposals in the 5 Crore to 25 Crore range for commercial banking clients, ensuring sound credit decisions that balance business growth with risk management principles. The role involves detailed financial analysis, risk identification, and preparation of credit notes in line with the bank’s credit policy and regulatory guidelines. Submission of control returns. Roles and Responsibilities Evaluate and appraise credit proposals of 5 Crore to 25 Crore from commercial banking clients across sectors. Conduct detailed financial analysis including review of balance sheets, profit & loss accounts, cash flows, and key financial ratios, auditor reports, tax audit reports, GST returns, IT returns, Valuation reports, Deduping Perform due diligence on borrower background, industry trends, and business models to assess risks and mitigation strategies. Structure credit facilities (fund-based and non-fund-based) ensuring alignment with bank’s credit guidelines and regulatory guidelines Prepare comprehensive credit appraisal memos / notes for sanctioning authorities. Interact with relationship managers, clients, and other stakeholders for clarifications and additional information. Monitor existing portfolio health through periodic reviews, early warning signals, and recommend appropriate actions. Ensure compliance with internal policies, regulatory norms (RBI guidelines), and audit requirements. Maintain quality of the loan book through prudent risk assessment and adherence to turnaround timelines. Submission of periodical review notes and control returns.

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

About The Role Credit Manager-Working Capital-CreditBangalore, Karnataka, India Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations New Associate Qualifications: BBA/BCom/Bachelor of Corporate Secretaryship Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do You will be aligned to our Financial Services and banking sector by helping the client on lending Residential Mortgages to qualified borrowers.You will be working as a part of Lending operations team which requires validation on Credit, Income, Asset & Collateral documents in line with the client credit policy, procedures, and turnaround times.The mortgage team focuses on lending home mortgages to the qualified borrowers by complete validation of required documents. The role requires a good understanding of credit analysis, financial analysis, onshore collaboration and document evaluations. What are we looking for Ability to work well in teamCommitment to qualityExcellent analytical and problem-solving skillsDetail orientationWritten and verbal communicationProficient in relevant software applications, such as Microsoft Office and financial analysis tools Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines.Your primary interaction is within your own team and your direct supervisor.In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised.You will be an individual contributor as a part of a team with a predetermined, narrow scope of work.Please note that this role may require you to work in USA shift which operates between 06:00PM to 03:30AM IST. Qualification BBA,BCom,Bachelor of Corporate Secretaryship

We are looking for a highly motivated and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch's receivables, ensuring timely payments and minimizing bad debts. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and disputes related to loan recoveries. Analyze financial data to identify trends and areas for improvement in the bank's receivables portfolio. Maintain accurate records and reports on receivables, including aging analysis and credit risk assessments. Ensure compliance with regulatory requirements and internal policies related to loan recovery practices. Job Requirements Strong knowledge of banking regulations and laws governing loan recoveries and collections. Excellent communication and interpersonal skills to build strong relationships with customers and internal stakeholders. Ability to analyze financial data and provide insights to inform business decisions. Proficiency in MS Office and other software applications relevant to accounting and finance. Experience working in a fast-paced environment with multiple priorities and deadlines. Strong problem-solving skills to resolve complex issues related to loan recoveries and collections. Location - Arakonam,Chennai,Ponneri,Vellore

We are looking for a highly motivated and results-driven Tele Calling Executive to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have excellent communication skills and the ability to work in a fast-paced environment. Roles and Responsibility Handle customer inquiries and resolve issues professionally. Make outbound calls to promote products and services. Build strong relationships with customers through effective communication. Meet or exceed sales targets consistently. Provide exceptional customer service and ensure satisfaction. Collaborate with internal teams to achieve business objectives. Job Requirements Any graduate degree from a recognized university. Proven experience in telecalling or telemarketing is required. Excellent communication and interpersonal skills are essential. Ability to work in a target-oriented environment and meet deadlines. Strong problem-solving skills and attention to detail are necessary. Familiarity with banking products and services is an added advantage.

About The Role Grade- M4Role- Location Credit ManagerAbout The Role :Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc. Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business. To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit economic developments. Manage and ensure timely renewal of accounts and enhancement of portfolio. To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams. Job Requirements Chartered Accountant with experience of more than 1 years Good analytical skills Non Chartered Accountant with relevant experience of Credit function of at least 2-3 years Personality Traits: Strong financial Analysis Skills Analytical skills Strong communication (Written and Oral)

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-3 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

About The Role Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies Infants Job Requirements : CA Inter CA MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

About The Role AboveFunction- Agri credit Max age limit- 25 + Candidate should not be from Retail Credit Should have Underwriting experience in ticket size of Rs upto 15 Crs Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.JOB Requirement: 3 to 8 years MBA (Finance)/CACredit Analyst/Credit Manager

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

About The Role Credit Manager-Working Capital-Credit Job Role :As part of Credit Team for Working Capital Finance " Managing team of Credit Managers " Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) " Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. " Visiting customers for personal discussions and deal structuring " Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained " To evaluate proposals of customers for Home Loans, Loan against Property " Decision making within defined TAT " Understanding of property related aspects (like legal title and market value of the property) is an added advantage " Coordinating with sales, operations, legal, technical and customer service Job Requirements: " Qualification- CA with relevant underwriting experience " Job Knowledge o Technical underwriting experience o Analytical skills " Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

As an Underwriter specializing in project finance transactions within infrastructure sectors such as roads, renewables, power transmission, water, logistics, and CGD, your primary responsibilities will include: - Conducting underwriting activities for project finance deals, ensuring compliance with regulatory requirements and internal policies. - Creating comprehensive Credit appraisal notes and In-principle notes/presentations to facilitate decision-making processes. - Collaborating with business, legal, and risk management teams to execute transactions effectively, which involves structuring deals, preparing term sheets, and conducting credit checks. - Enhancing knowledge base by engaging with both internal and external stakeholders to stay informed about industry trends and best practices. - Developing financial models and monitoring key operational metrics in infrastructure sectors to assess performance and identify potential risks. - Staying updated on developments within the sectors under coverage to inform decision-making processes. - Performing financial analysis on corporate entities and mid-corporates, including interpreting financial statements and evaluating creditworthiness. - Demonstrating proficient writing skills to prepare concise yet comprehensive credit appraisal notes that highlight all critical aspects of a transaction. - Utilizing financial modeling skills in MS Excel to prepare business plans and financial projections for project evaluations. - Showcasing domain expertise in infrastructure sectors to provide valuable insights during deal assessments. - Understanding the banking and lending business, along with relevant regulatory frameworks to ensure compliance and risk mitigation. - Adopting a research-oriented approach with keen attention to detail to support accurate decision-making processes. - Drafting term sheets to outline key transaction terms and conditions effectively. For further details or inquiries, please contact Pratiksha Gajjar at 8982228666 or email at pratiksha.gajjar@skillventory.com.,

You will play a crucial role as a Business Analyst, focusing on lending products and credit appraisal. Your primary responsibility will involve acting as a liaison between our Delivery team and clients to enhance customer lending processes through innovative solutions. As a qualified candidate with 2 to 4 years of experience, you will collaborate closely with clients to gain insights into their lending processes and requirements. Your role will entail understanding customer expectations, communicating their needs effectively, and tailoring solutions using our lending products to meet their specific demands. Your responsibilities will also include configuring solutions based on customer needs, advising clients on product capabilities and best practices, and conducting User Acceptance Testing (UAT) to ensure client satisfaction. You will be expected to identify and mitigate potential risks that could impede growth, maintain detailed project documentation, and cultivate strong client relationships. To excel in this role, you should possess experience in the financial sector, specifically with lending products and credit underwriting. Strong analytical, communication, and presentation skills are essential, along with the ability to manage multiple projects efficiently and meet deadlines consistently. Your role will require you to thrive in high-pressure environments, juggle competing priorities effectively, and demonstrate autonomy in your work. Additionally, your willingness to travel to client locations as necessary will be crucial in delivering effective solutions for bids. Overall, your role as a Business Analyst will be pivotal in driving improvements in customer lending processes and ensuring client satisfaction through tailored and innovative solutions.,

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

Apac Financial Services Private Limited is looking for Cluster Credit Manager to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services Private Limited is looking for Cluster Credit Manager- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services Private Limited is looking for Branch Credit Manager to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services Private Limited is looking for Branch Credit Officer- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services PrivateLimited is looking for Branch Credit Manager- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services PrivateLimited is looking for Branch Credit Manager- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities