1497 Credit Appraisal Jobs - Page 43

Reports to - Team Manager TW / Team Manager Non TW / Branch Sales Manager Duties and responsibilities 1.Sourcing of business a.Identification of customers through dealership networks b.Filling up of the application form c.KYC verification d.Visiting potential customers in order to develop business 2. Disbursements a.Collection of KYC documents b.Loan documentation

Reports to - Team Manager TW / Team Manager Non TW / Branch Sales Manager Duties and responsibilities 1.Sourcing of business a.Identification of customers through dealership networks b.Filling up of the application form c.KYC verification d.Visiting potential customers in order to develop business 2. Disbursements a.Collection of KYC documents b.Loan documentation

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Responsible for Sales and Collections in the assigned location PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned location Evaluating the creditworthiness of applicants to determine the loan eligibility Ensuring complete documentation of loan applications Collaborating with internal departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement Taking Care of Collection of ED and QM Cases / Follow up on E-Nach Mandate Achieving monthly targets which may include loan disbursement volumes and revenue goals Ensure adherence to all processes, compliance & policies SKILLS AND KNOWLEDGE Effective Communication Attention to detail Problem Solving Team work Ability to work in a target-oriented environment. EDUCATIONAL QUALIFICATION: Any graduate EXPERIENCE Minimum 1+ years of sales experience LAP / HL Sales domain sales experience with Banks or NBFCs is added advantage

Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP Business Ensure appropriate judgement is taken on the credit proposals to ensure the quality of portfolio Understand credit policy and processes as well as credit environment Ensure detailed PD is done for all the proposals Further few customers need to be physically visited inline with requirement Ensure the quality of Credit approval note and the Credit approval mails Ensure the TAT for all the proposals is maintained inline with the prescribed standards Ensure the productivity for underwriting proposals is maintained inline with the prescribed standards Ensure all MIS is maintained timely and correctly Contribute to the new project initiatives Qualifications CA/Post-graduate in Finance Functional Skills Attention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience 3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Responsible for Sales and Collections in the assigned location PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned location Evaluating the creditworthiness of applicants to determine the loan eligibility Ensuring complete documentation of loan applications Collaborating with internal departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement Taking Care of Collection of ED and QM Cases / Follow up on E-Nach Mandate Achieving monthly targets which may include loan disbursement volumes and revenue goals Ensure adherence to all processes, compliance & policies SKILLS AND KNOWLEDGE Effective Communication Attention to detail Problem Solving Team work Ability to work in a target-oriented environment. EDUCATIONAL QUALIFICATION: Any graduate EXPERIENCE Minimum 1+ years of sales experience LAP / HL Sales domain sales experience with Banks or NBFCs is added advantage

Responsible for Sales and Collections in the assigned location PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned location Evaluating the creditworthiness of applicants to determine the loan eligibility Ensuring complete documentation of loan applications Collaborating with internal departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement Taking Care of Collection of ED and QM Cases / Follow up on E-Nach Mandate Achieving monthly targets which may include loan disbursement volumes and revenue goals Ensure adherence to all processes, compliance & policies SKILLS AND KNOWLEDGE Effective Communication Attention to detail Problem Solving Team work Ability to work in a target-oriented environment. EDUCATIONAL QUALIFICATION: Any graduate EXPERIENCE Minimum 1+ years of sales experience LAP / HL Sales domain sales experience with Banks or NBFCs is added advantage

Responsible for Sales and Collections in the assigned location PRINCIPAL ACCOUNTABILITIES: Sourcing business in the assigned location Evaluating the creditworthiness of applicants to determine the loan eligibility Ensuring complete documentation of loan applications Collaborating with internal departments (Operations, Credit, Legal and Technical) to ensure smooth loan processing and disbursement Taking Care of Collection of ED and QM Cases / Follow up on E-Nach Mandate Achieving monthly targets which may include loan disbursement volumes and revenue goals Ensure adherence to all processes, compliance & policies SKILLS AND KNOWLEDGE Effective Communication Attention to detail Problem Solving Team work Ability to work in a target-oriented environment. EDUCATIONAL QUALIFICATION: Any graduate EXPERIENCE Minimum 1+ years of sales experience LAP / HL Sales domain sales experience with Banks or NBFCs is added advantage

Doing field investigation and cross verification of disputed files coming from credit 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 SKILLS AND KNOWLEDGE Street Smart Aggressive Educational Qualifications Graduate Functional Skills Relevant and total years of Experience 0-3 years

Skill required: Com.Bkg- Loan/Lease Abstraction - Lease Management Designation: Banking Advisory Analyst Qualifications: BCom Years of Experience: 3 to 5 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 "We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.An end-to-end service allowing for IFRS and U.S. GAAP compliance in the financial reporting of leases, overseeing all aspects of the lease agreement process, from coordinating the creation of a new lease to managing day-to-day administrative tasks, overseeing the administration, tracking, and auditing of lease documents, and monitoring the business and financial transactions for lease properties. " What are we looking for "Adaptable and flexibleAbility to perform under pressureProblem-solving skillsDetail orientationAbility to establish strong client relationship" Roles and Responsibilities: "In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts" Qualification BCom

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function : Credit Card - Credit Role : Credit Underwriters Designation : M2 Grade Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location : Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Credit Analysis (Delivery Lead/ Manager) Job location - Bangalore (Work from office) Role & responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates. Managing a portfolio of clients and handling rating assignments. 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. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Preferred candidate profile Strong understanding of credit principles, policies and regulations. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 6 - 12 years relevant experience

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-3 years of experience in retail mortgages and relationship management. Roles and Responsibility Manage and maintain strong relationships with existing clients to increase sales and revenue. Identify new business opportunities and develop strategies to acquire new customers. Develop and implement effective sales plans to achieve targets and goals. Collaborate with internal teams to ensure seamless delivery of products and services. Provide exceptional customer service and support to build trust and loyalty. Analyze market trends and competitor activity to stay ahead in the industry. Job Requirements Proven experience in retail mortgages and relationship management. Strong understanding of inclusive banking principles and practices. Excellent communication, interpersonal, and negotiation skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience working with sales teams and contributing to business growth.

Credit Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location - Gurgaon (Work from office) Role & responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates. Managing a portfolio of clients and handling rating assignments. 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. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Preferred candidate profile Strong understanding of credit principles, policies and regulations. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 3 - 10 years relevant experience

Job requirements: Function : Credit Card - Credit Role : Credit Underwriters Designation : M2 Grade Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards). Job Role: To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function : Credit Card - Credit Role : Credit Underwriters Designation : M2 Grade Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location : Goregaon & Thane (candidates staying about an hour max from office location). Job Role: To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report every month. Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Roles and Responsibilities Manage credit underwriting process from loan application to disbursement, ensuring timely decision-making and high-quality appraisals. Conduct thorough credit analysis, including financial statement review, cash flow analysis, and collateral evaluation for LAP (Loan Against Property) loans. Develop strong relationships with customers by providing exceptional customer service and resolving queries efficiently. Collaborate with internal teams to ensure seamless processing of loan applications and maintain accurate records. Stay updated on regulatory guidelines and industry trends to ensure compliance.

We are looking for Someone who is Currently working into banking Industry or rating Agency with Credit rating , Credit Underwriting experience in Large Corporate and mid Corporate Segment. Responsibilities Primarily responsible to carry out independent assessment on the credit quality of a borrower to indicate the level of risk associated with the borrower by assigning ratings as per Banks internal rating model. Ensuring that the ratings are accurate and up-to-date with the all available information at all points of time by tracking news, reports both internal and external and quarterly performance Comprehensive and independent analysis of companies performance in assigned portfolio by assessing credit proposals, financial statements, projections and other information to assess the credit worthiness of the entity Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the businesses Independently handling rating assignments for entities of varying sizes and preparing rationales for the ratings assigned Assign ratings as per Banks internal rating scale after thorough understanding of the borrower, industry and peer group analysis Monitor the ratings through multiple surveillance frameworks in place. Ensure all the latest available information is factored in the ratings

SECTION I:Job Title Credit Manager Grade Manager or Senior Manager SECTION II: ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers for Business Loan product. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hind sight and Internal audit observations Conduct monthly Regional Council Meetings with all the stakeholders. SECTION III: KEY RESPONSIBILITIES Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer Assessment of Credit Proposal / Case for his respective location / region Presentation of key observations to Senior Management on periodic basis Managing a team & drive the results/ goals set for self & Team. Core Responsibilities Assessment of credit proposal , Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal Preparing CAM / Report which highlights the quality of information , which helps the decisioning of cases are senior level Monitoring of delinquency, exceptions , portfolio movement. Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities Active participation in process re-engineering related to product / process Collaborate with business , OSD & Policy team for any change in the process/policy. Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities Identify the gaps in the process & highlights to the Senior Management Suggestion for changes in Policy SECTION IV: KNOWLEDGE & EXPERIENCEKNOWLEDGE A CA/ MBA from a reputed institute Professional Certifications Language Skills Written and spoken English is essential Years of Experience Minimum of 3 to 6 years of work experience in credit evaluation in a Bank or NBFC SECTION V: COMPETENCIES & KEY PERFORMANCE Product Knowledge Understanding Banking product , policies , loans. To be conversant with SME Loan Products Professional Entrepreneurship Should have proactive and constructive approach towards work Displays solution oriented and initiatives. Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety TECHNICAL COMPETENCIES Financial Analysis and Market knowledge of industry segment

Underwriting & making proposals of commercial credit card & LAS. Ensuring discipline in adherence to processes involved in credit underwriting. Good understanding of financials & ratio analysis to arrive at a decision on lending and recoverability of loans granted. Ensure systematic verification processes and coordinate with sales, service, verification agencies. Be up to date on industries we lend and business environment in general. Review the portfolio sourced to prevent early delinquency. Understand and interpret the portfolio quality. Have good communication skills to interact with various stakeholders within/outside the bank.

About Bharat Banking Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel. 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 Optimal qualification for success on the job is: 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 For successful execution of the job, the candidate should possess the following: Knowledge of industry Good communication (both verbal and written) skill Ability to handle pressure and meet deadlines #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

About Treasury The Treasury department is responsible for supervising the Bank s funding position and maintaining its regulatory reserve requirements. It invests in sovereign and corporate debt instruments, and engages in proprietary trading in equity and fixed income securities, foreign exchange, currency futures and options. The division further governs the Bank s investments in commercial paper, mutual funds and floating rate instruments as part of the management of short-term surplus liquidity. Moreover, it offers a wide range of treasury products and services to corporate customers About the Role Responsible for (i) Assisting the relationship group in structuring the underwritten transaction and finalizing the syndication mandates with the clients; (ii) Appraisal of the syndicated proposals being done by CRG and the Appraisal / Information memorandum being shared with potential lenders during the syndication process; (iii) Interaction with senior officials at other banks during the syndication process with increased; and (iv) handling the (a) pre bid advisory; (b) bid process advisory; and (c) merchant appraisals mandates. Key Responsibilities Screen proposals for feasibility based on market information, rating, economic scenario, business model and regulatory aspects for syndication; Advise a marketable transaction structure of proposal without compromising either on the Client requirements or on Bank Policy; Assist the Relationship team in making pitch for syndication proposals, offer letter, in principle note etc.; Design debt solutions for special situation clients; Undertake transaction advisory assignments ((a) pre bid advisory; (b) bid process advisory; and (c) merchant appraisals); Remain updated on the industry trends and regulatory frameworks (especially the view and interpretations of other lenders) to ensure that appropriate inputs are provided on underwritten transactions. Oversee and Advise the team in Undertaking due diligence and credit appraisal, identifying key risks and mitigation measures, preparing the term-sheet; Finalization of the Information Memorandums and pitches to prospective participating banks; Legal documentation of syndicated proposals; and Ensuring timely execution of the transaction. Provide guidance and support to the team of Team Lead and Analysts for proactive solutions to business needs. Coach, mentor and guide the team Interface with other departments of the Bank such as Risk/Credit/Relationship/Legal etc. for coordination / implementation of transaction Develop and maintain a network with representatives of other financial institutions for risk mitigation, joint financing and larger industry interface Qualifications Post-Graduation in Finance from a recognized institute / CA Relevant experience in Public sector / large private sector banks Relevant experience in transaction structuring and customized debt transactions including structuring of cross border transactions Role Proficiencies Prior exposure to multi sectoral credit assessment and financing. Strong knowledge of the overall regulatory framework Strong knowledge of all credit products Ability to remain updated with respect to diverse sectors and scale up quickly with respect to recent developments (regulatory or industry trends) as the role is sector / geography agnostic Experience in managing large teams independently Experience in managing independent credit decisions of large exposure for non-templated / Fund based / Non Fund Based products #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

Exciting job opportunity at Acuity KP, Bengaluru- Job Purpose We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our European client ensuring we fulfil the applicable SLAs. Key Responsibilities Maintaining high quality in the below workflows by performing quality checks, providing training, mentoring and upskilling juniors: Spreading of the financial statements of corporates in the client proprietary platform. Analysis of financial statements of public and private companies for the credit appraisal process Conducting background research independently to understand the appropriate KPIs that are relevant to each borrower Monitoring covenants on a regular basis, performing validations and highlighting any Early Warning Signals Carrying out written credit appraisals, risk ratings, and credit notes for credit approvals Motivating and managing a team of analysts, planning workflows and liaising with global clients in ensuring that deadlines are met at the required standard Contributing to process improvement, providing value adds to the deliverables and automation of tasks Providing domain expertise in credit notes and credit appraisals Communicating clearly and confidently with internal and external stakeholders–both written and verbal Providing strategic thought leadership through the authoring of blogs and whitepapers on trending topic Key Competencies 10-15 years of experience in Commercial lending (corporate/wholesale lending) operations including origination, underwriting and portfolio monitoring activities Familiarity and expertise in a specific sector will be an added advantage Experience in complete delivery set-up, smooth roll-out of services and the implementation of best practices, feedback mechanisms, hiring and training the team Good knowledge of the products involved in entire value chain of commercial lending including underwriting, covenant monitoring, and portfolio monitoring. Hands on experience in carrying out tasks like credit appraisals, finalizing risk ratings, credit notes for credit approvals and ongoing monitoring. Excellent understanding of the financial statements of the corporates A Masters in Business Administration and/or a full/ part qualification in CFA will be an added advantage. A highly analytical mind and a high level of attention to detail Excellent written and spoken English communication skills A strong work ethic The ability to work independently and meet deadlines under pressure POC- Alka Sinha (alka.sinha@acuitykp.com)