1497 Credit Appraisal Jobs - Page 3

As the Credit Manager, your primary responsibility is to ensure the quality appraisal of credit for worthy borrowers and to guarantee timely credit and transaction approvals for delegation under your supervision. You will be required to follow up with seniors for credit and transaction approvals, manage the loan portfolio with respect to credit rating and quality, and identify de-risk accounts and AL accounts. Monitoring the team's Turn-Around-Time (TAT) and productivity will also fall under your purview. It is crucial for you to ensure adherence to the credit policy and process, review delinquency, and manage exceptions and approvals for knocking. Responding to hindsight and internal audit observations will be part of your routine tasks, along with conducting monthly Regional Council Meetings with all stakeholders. In terms of strategic and managerial responsibilities, you will engage in discussions with seniors, ACH, RCH, National Credit Manager, and Chief Credit Officer. Assessing credit proposals and cases for your respective location or region, presenting key observations to senior management periodically, and effectively managing your team to achieve set goals are essential aspects of your role. Your core responsibilities will include assessing credit proposals, reviewing cases as per credit policy parameters, conducting documentation checks, analyzing observations for necessary corrections in credit appraisal, and preparing CAM/Reports that highlight the quality of information for senior-level decision-making. Monitoring delinquency, exceptions, portfolio movement, and maintaining data as required by senior management will also be part of your core tasks. You will need to actively participate in process re-engineering related to products/processes, collaborate with business, OSD, and Policy teams for any process/policy changes, and demonstrate self-drive, goal orientation, and dynamic nature. Identifying gaps in processes and highlighting them to senior management, as well as suggesting changes in policy, are part of your risk and internal control responsibilities. Your key interactions will involve regular engagement with the business team, policy team for clarification or guidelines, and customers as required by policy while assessing cases and interacting with them for information or concerns related to decision-making.,

Underwriting / Appraisal of credit proposals in line with the policy within the 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

Portfolio Oversight : Manage the unsecured loan portfolio, ensuring effective collection strategies are in place. Collection Strategies : Develop and implement efficient recovery strategies to minimize delinquencies and improve recovery rates. Risk Management : Assess and mitigate risks associated with unsecured loans, ensuring compliance with regulatory guidelines. Team Leadership : Lead and train a team of collection agents, ensuring they meet performance targets. Legal Coordination : Collaborate with legal teams to initiate recovery procedures for delinquent accounts.

STCI Finance Limited - Head Credit STCI Finance Ltd : Career Careers / Current Vacancy Head Credit - MSME Role & Responsibility Build a strong credit function in consultation with Head MSME Lending Develop credit underwriting & approval systems for secured MSME loans Oversee credit appraisal and ensure portfolio quality with strong risk controls and early warning systems; design and implement tech-enabled credit evaluation processes Monitor credit performance and drive refinements in credit strategy as the business scales Age, Qualifications & Experience 40 to 45 years - Post Graduate degree in Finance or CA 15 -20 years experience in BFSI of which 8-10 years in Credit; 5 or more years managing the Credit function/underwriting independently for / SME / MSME lending in a Bank/NBFC Demonstrated track record of setting up and growing/building a strong credit function for a Bank/NBFC (AuM Rs 2500 crs+) Experience in digital lending/tech-based credit approval/underwriting

About Bharat Banking The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets. To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches. The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer. The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring About the Role The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location. Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bank. Key Responsibilities Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authorities Analysis of financial statements, company background and other related quantitative and qualitative) Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed deal. Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants. Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankable. Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities. Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted upon. Ensure timely completion of limit renewals of the existing cases. Understanding trade transaction requests made by client and providing credit approvals to execute the transaction. Coordinating with Audit, Compliance, and operations for resolution of queries and documentations. Qualifications Graduation/ Post- Graduation (MBA/ CA preferred not mandatory) Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM preparation for SME/Agri. /Corporate borrowers. ) Role Proficiencies: Knowledge of industry Good communication (both verbal and written) skill Ability to handle pressure and meet deadlines

CSB Bank Opening for Customer Relationship Officer - Tirunelveli Job Purpose : Organized, attentive Customer Relationship Officer to provide exceptional service to our customers by handling routine tasks, such as processing payments, accepting deposits, and handling withdrawals The Bank Teller will respond to customer requests and inquiries, Functional Responsibilities : (1) Process transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions (2) Informing customers about bank products and services (3) Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete (4) Maintaining and balancing cash drawers and reconciling discrepancies (5) Packaging cash and rolling coins to be stored in drawers or the bank vault (6) Keeping a clean, organized work area and a professional appearance (7) Handling currency, transactions, and confidential information in a responsible manner (8) Maintains customer confidence and protects bank operations by keeping information confidential Competencies required for role : Customer service Attention to detail General math skills Verbal communication Integrity Selling to customer needs People skills Financial skills Financial software Thoroughness Documentation skills Note: Only experienced and currently employed individuals are eligible.

Responsibilities: * Conduct credit appraisals & evaluations * Collaborate with sales team on new opportunities * Manage credit portfolio & risks * Analyze financial statements & market trends * Approve/reject loan applications Cafeteria Sales incentives

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

The role of a Relationship Manager in the Cooperative Banks / Correspondent Banking Function involves managing banking needs for large Cooperative Banks / Correspondent Bank entities. Your primary responsibilities include building and managing rapport with clients, matching their requirements with the bank's products and services, and ensuring optimal customer acquisition, retention, and income generation by offering various products such as Assets, Liabilities, Trade, and Cash Management. Your key responsibilities will include: - Business Development: Managing existing client relationships to generate revenue by offering a range of bank products and services. You will need to scope the existing client base for identifying new opportunities and maintaining good relationships to achieve budgeted revenue goals. Regular interactions with clients and joint calls with other bank teams will be essential for cross-selling products and ensuring service delivery. - New Client Acquisition: Identifying and developing potential customers for the bank, including MNCs, through regular follow-ups and meetings with target clients. Offering value-add services to induce conversions and expand the client base. - Product Penetration & Cross-Sell: Generating and identifying new opportunities by understanding client needs and cross-selling suitable products. Increasing the bank's share in existing products by offering customizations and value additions. - Internal Processes and Coordination: Preparing credit appraisals for existing and new clients, analyzing financial statements for deal structuring, and monitoring credit to maintain the overall health of the portfolio. Coordinating with internal stakeholders for timely service and product delivery, ensuring compliance, and maintaining housekeeping through periodic memos and deferrals. - Knowledge Building and Market Intelligence: Staying updated on regulations and internal guidelines related to Cooperative Banks / Correspondent Banking business. Sharing important market information with peers, interacting with competition to understand market practices and offerings, and taking initiatives to enhance business growth through innovative solutions. By effectively managing client relationships, identifying new opportunities, and collaborating with internal teams and stakeholders, you will contribute to the growth and success of the Cooperative Banks / Correspondent Banking Function.,

You will be joining a leading NBFC as a Credit Analyst for Infrastructure Finance with the following responsibilities: You should have at least 6 years of experience in Credit Underwriting, specifically in Infrastructure Project underwriting. Your educational background should include either a CA or an MBA degree. This role is within the BFSI industry and based in Mumbai. Your main tasks will involve creating Credit Appraisal Notes for Infrastructure Project Finance Cases, including TL/NCD. You will communicate with clients or businesses to gather data for CRAN preparation. Your responsibilities will include creating comprehensive CRAN for credit risk assessment, industry evaluation, compliance check, legal document examination, and understanding regulatory requirements. Additionally, you will be required to prepare inspection reports after visiting the units. Your role will also involve discussing terms and conditions for risk assessments with the business and monitoring accounts in line with the sanctions authority's guidelines. You will be responsible for generating quarterly portfolio monitoring reports and continuously monitoring the portfolio, as well as preparing reports for the Risk Management Committee. You will oversee and address any escalations related to risk assessments and non-compliance action plans. Furthermore, you will be expected to respond to and provide insights on customer demands from a risk perspective. If this opportunity aligns with your career goals and interests, please reach out to us at shivani@thepremierconsultants.com.,

Need Credit Manager for Lap Location - Ludhiana Need exp in mortgage loan Education - CA or MBA Or CWA CTC Can be discuss Age - 37 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

Need Regional Credit Manager for HL/Lap will Manager UP & UK Location - Lucknow Need exp in Home Loan & Lap Ticket Size upto 30 Lacs CTC Can be discuss Age - 38 Yrs Max Pls share cv on sanjeevani.dupare@voicehr.in

Need Credit Manager for Lap Location - Vikarabad & Mahbubnagar Need exp in Home loan & Lap CTC Can be discuss Age - 37 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

Need Credit Manager for Prime Home Loan Location - Chennai Need 3-5 Years exp in Prime Home loan Underwriting. Prefer Immediate & 30 Days notice period candidates. CTC Upto 11 Lacs Age - 33-34 Yrs Pls share cv on sanjeevani.dupare@voicehr.in

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit management. Roles and Responsibility Manage and analyze credit data to make informed decisions on loan approvals. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit portfolio performance, identifying areas for improvement. Stay up-to-date with regulatory changes and industry trends to ensure compliance. Job Requirements Strong understanding of credit principles, including credit scoring and analysis. Experience with credit management systems and software. Excellent analytical and problem-solving skills, with attention to detail. Strong communication and interpersonal skills, with the ability to work effectively with stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong knowledge of financial regulations and industry standards.

We are looking for a highly skilled and experienced Relationship Manager to join our team in the retail mortgages sector. The ideal candidate will have 2-7 years of experience in sales, preferably in the BFSI industry. Roles and Responsibility Develop and maintain strong client relationships to understand their financial needs and provide tailored solutions. Identify new business opportunities and grow existing customer relationships through effective sales strategies. Conduct thorough analysis of customer financial data to offer personalized mortgage recommendations. Collaborate with internal teams to ensure seamless execution of loan applications and disbursements. Provide exceptional customer service by addressing queries and resolving issues promptly. Stay updated on market trends and competitor activity to stay ahead in the competitive landscape. Job Requirements Proven track record of achieving sales targets in a fast-paced environment. Strong knowledge of retail mortgages products, including features, benefits, and risks. Excellent communication, negotiation, and interpersonal skills. Ability to work independently and as part of a team to achieve common goals. Proficiency in using technology platforms to manage customer interactions and transactions. Strong analytical and problem-solving skills to address complex customer queries.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit management strategies. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience working with small finance banks or similar institutions is preferred.

We are looking for a skilled Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 7-8 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit portfolio performance and compliance. Ensure adherence to regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, lending, and risk management principles. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build relationships. Proficiency in credit software and systems, with the ability to learn new technologies. Experience in managing credit teams and providing guidance and support.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-7 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit management strategies. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience working with small finance banks or similar institutions is preferred.

We are looking for a highly motivated and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit processing. Monitor and report on credit performance metrics. Stay updated with regulatory changes and industry trends. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Good communication and interpersonal skills. Proficiency in credit software and systems. Strong attention to detail and organizational skills.

We are looking for a highly motivated and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit processing. Monitor and report on credit performance metrics. Stay updated with regulatory changes and industry trends to optimize credit policies. Job Requirements Strong understanding of credit principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit software and systems. Strong attention to detail and organizational skills.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 6-9 years of experience in the BFSI industry, with a strong background in credit management. Roles and Responsibility Manage and oversee the credit function of the branch, ensuring compliance with regulatory requirements. Develop and implement effective credit policies and procedures to minimize risk and maximize revenue. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to identify new business opportunities and grow the existing customer base. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing corrective actions. Ensure all credit-related transactions are processed accurately and efficiently. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationships with customers and stakeholders. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Strong attention to detail, with a focus on accuracy and quality in all aspects of work. Experience working with small finance banks or similar institutions, understanding the unique challenges and opportunities in this sector.

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs Qualifications Fluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

We are looking for a skilled professional with 6-7 years of experience to join our team as an Area Credit Manager in the BFSI industry. The ideal candidate will have a strong background in credit management and a proven track record of success. Roles and Responsibility Manage and oversee the credit function within the bank, ensuring compliance with regulatory requirements. Develop and implement effective credit policies and procedures to minimize risk and maximize revenue. Conduct thorough credit assessments and provide recommendations on loan approvals or denials. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and analyze credit portfolio performance, identifying areas for improvement. Ensure timely and accurate reporting of credit-related data and metrics. Job Requirements Strong knowledge of credit management principles and practices. Excellent analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationships with stakeholders at all levels. Ability to work in a fast-paced environment, prioritizing multiple tasks and deadlines. Strong understanding of regulatory requirements and industry standards related to credit management. Experience working with credit rating agencies and other financial institutions.