3019 Credit Appraisal Jobs - Page 45

Evaluating credit proposals covering financial, business and industrial risk & decision of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal

Role & responsibilities - • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • Verifying the promoters track record & ascertaining their credit worthiness. • Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position • To ensure Bounce Rate and Delinquency are within acceptable standards. • Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit score is satisfactory. • Vendor Management. • To conduct customer meeting to evaluate credit proposal • PDD Tracking and closure • Compliance to repayment instr...

HDFC Bank Is hiring for Retail Credit - Credit Manager for Mumbai/ Pune location Job Purpose : 1. To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. 2. Adherence to the policy/process laid out by the Central team on all application being processed 3. Very close monitoring on Non-starters / EMR trends so as to ensure healthy portfolio. 4. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. 5. To interact closely with other functions such as Sales/Operati...

As a candidate for this role, you should possess a solid understanding of the banking domain, including wholesale, retail, core banking, and trade finance. Your responsibilities will involve demonstrating expertise in credit appraisal, the loan origination process, and portfolio monitoring within the BFSI sector. It is essential to have knowledge of financial ratios, annual statements, and various financial instruments. You will be expected to support clients through the provision of user manuals, training sessions, workshops, and the creation of case studies. Your role will also require diligent adherence to processes, including reviewing product development, documenting requirements, and e...

The Branch Credit Manager in this NBFC is responsible for underwriting secured loan against property proposals, ensuring adherence to credit policies & procedures, conducting personal discussions with customers to determine credit worthiness, completing credit/KYC documents verification through telephonic, field visits, and collateral visits. They are also responsible for training the sales team on credit policy, assessing income to obligation ratios, supervising Credit Processing Associates, coordinating with sales to achieve targets, and ensuring SLAs are met. The Branch Credit Manager must have a minimum of 3 years of work experience in Credit Appraisal and Credit underwriting for Loan Ag...

The Credit Manager position requires 3-5 years of experience and is based in Vijayawada or Kochi. As a Credit Manager, your responsibilities will include credit appraisal underwriting, maintaining appraisal quality and turnaround time for decision-making, meeting loan borrowers and applicants for personal interaction, providing training to internal team members and partners, preliminary screening of borrower profiles, understanding and implementing processes and policies, managing delinquency ratios, vendor management, knowledge of the mortgage industry and related risks, contributing to process improvement, developing recommendations to adjust credit policies, conducting risk analysis, anal...

Roles and Responsibilities Manage a team responsible for credit appraisal and underwriting across multiple locations. Oversee the entire credit process from application to disbursement, ensuring timely decision-making and quality control. Develop and implement effective credit policies, procedures, and processes to minimize defaults and maximize recoveries. Collaborate with sales teams to identify new business opportunities and develop strategies for cross-selling products. Ensure compliance with regulatory requirements, internal policies, and industry standards. Desired Candidate Profile 7-10 years of experience in home loan credit underwriting or related field (NBFC). MBA/PGDM degree from ...

Perpetuity Capital is looking for 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 Monitor...

Perpetuity Capital is looking for CREDIT OFFICER to join our dynamic team and embark on a rewarding career journey Officer plays a crucial role in the organization, responsible for overseeing and executing various tasks and projects to ensure the smooth functioning of operations This role requires strong leadership, analytical skills, and the ability to collaborate effectively with team members and stakeholders Key Responsibilities :Leadership:Provide leadership and guidance to team members, fostering a positive work environment Lead by example, demonstrating professionalism, integrity, and dedication to the organization's goals and values Project Management:Manage and coordinate projects fr...

Perpetuity Capital is looking for CREDIT EXECUTIVE to join our dynamic team and embark on a rewarding career journey Credit Analysis:Evaluate the creditworthiness of clients by analyzing financial data, credit reports, and other relevant information Risk Assessment:Assess and quantify credit risk associated with new and existing clients, considering industry trends and economic factors Credit Limit Determination:Determine appropriate credit limits based on the assessment of credit risk and financial stability of clients Credit Policy Compliance:Ensure compliance with the organization's credit policies and guidelines Customer Communication:Communicate credit decisions and terms to clients, ad...

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years 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 safegua...

About The Role Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: BBA/BCom/Master of Business Administration Years of Experience: 1 to 3 years 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 safeguardin...

Responsibilities: * Assist with recruitment processes from sourcing to onboarding * Conduct candidate screenings and interviews * Collaborate with hiring managers on job requirements and talent acquisition strategies Share resume - hr@whaleconsultancy.in Health insurance Annual bonus Provident fund Flexi working

Responsibilities: Conduct credit appraisal for real estate clients for fund-based exposures such as working capital, overdraft/cash credit, term loans, and non-fund-based exposures such as letters of credit and bank guarantees. Prepare detailed proposal notes and ensure clearance from credit sanctioning committees. Meet clients, evaluate prospective customers and markets, understand client requirements, and structure proposals/deals within bank credit guidelines and programs. Monitor economic and industry developments, as well as client financial parameters, to detect potential risk triggers or stress signs and take mitigation measures. Perform detailed credit and background reference checks...

Responsibilities: Conduct credit appraisal for real estate clients for fund-based exposures such as working capital, overdraft/cash credit, term loans, and non-fund-based exposures such as letters of credit and bank guarantees. Prepare detailed proposal notes and ensure clearance from credit sanctioning committees. Meet clients, evaluate prospective customers and markets, understand client requirements, and structure proposals/deals within bank credit guidelines and programs. Monitor economic and industry developments, as well as client financial parameters, to detect potential risk triggers or stress signs and take mitigation measures. Perform detailed credit and background reference checks...

Evaluate loan proposals for Machinery Finance and Loan Against Property (LAP). Conduct comprehensive financial, technical, and legal due diligence on loan applications. Approve or recommend credit proposals in accordance with company policies. Required Candidate profile Proven experience in credit assessment of LAP and Machinery Loans. Strong analytical and decision-making skills. Ability to work independently and collaborate with cross-functional teams.

As a prospective candidate for the position, you should hold a mandatory education qualification of being a graduate in any discipline, with preference given to those with a background in Engineering, Maths, or Economics. Additionally, having an MBA/MMS/MS/PGDM in Finance, or being a Chartered Accountant or CFA would be considered as an additional preferred qualification. Possessing the certification of NISM Series XIX-C/D: Alternative Investment Fund Managers will be advantageous. In terms of relevant work experience, the ideal candidate for SIA should have 3 to 5 years of experience, for IA 2 to 3 years, and for an Analyst position, freshers are welcome. It is important to have work experi...

The role involves Credit Appraisal and underwriting/recommending proposals for both non-collateral/collateral backed education loans. You will be responsible for providing training to CPAs to ensure alignment with company policies. Delinquency management for the location and overseeing Vendor/Cost management to maintain timely TAT are key aspects of the role. You will also manage PDDs through proper MIS and ensure quality management in terms of Audit, Compliance, and Hind sighting. Specific Responsibilities include understanding and implementing processes and policies for smooth transactions, conducting personal discussions with clients independently, and analyzing cash flow. Technical compe...

Any Graduate (Non Graduate candidates should be willing to work on third-party payroll Randstad) Relevant Years of Experience Minimum 2 years of experience in Loans, Business Loans, or Loan Against Property (LAP) from an NBFC, Bank, Insurance Roles and Responsibilities LAP Business, Secured Business Loan and Insurance Generating quality business and driving sales of various products. Mandatory Skills Sound knowledge of the relevant field Computer skills Good communication abilities

About The Role Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: BBA/BCom/Master of Business Administration Years of Experience: 1 to 3 years 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 safeguardin...

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years 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 saf...

About The Role Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years 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 saf...

Self-management, self-starter with strong grasp of financial products and services relevant to real estate development projects. Team player Detail-oriented and results-driven, with a focus on delivering high-quality work and achieving organizational objectives Excellent communication and interpersonal skills, with the ability to collaborate effectively with internal and external stakeholders. Strong Negotiation & liasoning with bankers, external agencies Financial Modelling, Cash flow analysis, Analysis of various factors specific to real estate Thinking skills (problem solving and decision making) Microsoft proficiency (Excel, Word) Key attributes:- Analytical skill, attention to detail, F...

Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket) Ensure that the NPA's are kept within assigned budget and active efforts are made to minimize it. Increase the fee income / revenue and develop initiatives to control and reduce the amount of vendor payouts Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT Build relationships with key cli...

To underwrite and manage the portfolio in assigned branch/location. Automation across products Digital transformation of existing credit processes to address rising costs, new customer preferences Work closely with the Product, Technology and Business teams to devise the best and most innovative solutions for solving our customer's needs. Monitoring performance of Solutions Better TAT Process Management Ensure uniform process Analyzing various processes and recommending process changes to initiate cost savings ,optimize resources and enhance operational efficiency Monitoring overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize custome...