4 Credit Appraisals Jobs

Role Overview: As a Credit Appraiser for Commercial Vehicles, your primary responsibility will be to conduct credit appraisals for loan applications. You will also be accountable for maintaining a high-quality portfolio and ensuring that the credit assessment targets are met within the specified Turnaround Time. Additionally, you will be in charge of overseeing Audit and Regulatory compliance at the location. Your role will involve coordinating with RCU verification vendors under the guidance of the RCM and making sound lending decisions based on thorough assessments. Key Responsibilities: - Conduct credit appraisals for loan applications of Commercial Vehicles - Maintain a high-quality portfolio - Ensure timely delivery of credit assessment targets - Oversee Audit and Regulatory compliance at the location - Coordinate with RCU verification vendors - Make sound lending decisions based on available information - Collaborate with sales, operations, collections, and policy teams for smooth functioning - Maintain the database and generate monthly reports - Coordinate with agencies for fraud prevention through proper sampling and screening of files - Manage the cost of credit administration effectively - Adhere to process and policy guidelines - Manage costs efficiently - Maintain a healthy portfolio Qualifications Required: - Bachelor's degree in Finance, Business Administration, or a related field - Prior experience in credit appraisal for Commercial Vehicles - Strong analytical skills and attention to detail - Excellent communication and interpersonal abilities - Knowledge of Audit and Regulatory compliance - Ability to work collaboratively with cross-functional teams - Proficiency in database management and report generation Please note that the additional details of the company were not provided in the job description.,

Join us as a Relationship Manager, Credit Delivery. You will be part of a dynamic team responsible for overseeing strategic and daily support for client services, business development, and relationship building. Specializing in credit delivery, your main focus will be managing client relationships and striving to exceed their expectations on a consistent basis. This role offers the opportunity to enhance your communication and interpersonal skills within a collaborative and fast-paced environment, positioned at the senior analyst level. As a Relationship Manager, you will play a pivotal role in putting clients at the forefront of all activities. Working alongside a team specializing in credit delivery, you will efficiently manage your schedule, contribute to the growth of a client portfolio, and ensure the delivery of exceptional service. Your responsibilities will also include supporting management in crafting high-quality new business proposals, aiding in credit analysis, and establishing a strong rapport with the credit function. Key responsibilities include: - Crafting and originating new business proposals tailored to meet client needs - Assessing our products and services in comparison to competitors, leveraging insights to optimize opportunities during client reviews - Cultivating and nurturing relationships with stakeholders, leading commercial negotiations, and finalizing contractual terms with new intermediaries - Collaborating closely with other product teams to provide clients with a comprehensive, integrated, and top-tier banking relationship To excel in this role, you should possess a deep understanding of credit delivery and substantial experience in the financial services sector. An in-depth knowledge of legal lending forms, security, corporate finance, and capital models is essential. Furthermore, effective communication skills are paramount, enabling you to engage and influence stakeholders at all levels, both internally and externally. Key qualifications and competencies include: - QFA qualification with robust credit analysis capabilities - Proficiency in relationship management and a background in customer-centric business environments - Demonstrated success in leading and nurturing high-performance sales teams - Familiarity with relevant legal, regulatory, and statutory compliance requirements, as well as risk management practices in financial services - Comprehensive understanding of business processes, encompassing know your customer practices, anti-money laundering protocols, deal structuring techniques, and credit appraisal preparation,

As a Credit Analyst within our organization, you will be responsible for preparing thorough and detailed credit proposals that adhere to the bank's policies. This includes conducting in-depth analysis of financial statements, industry trends, economic data, and various risk factors. Your role will involve proposing appropriate ratings and GRR to the credit committee, utilizing internal tools and your expertise. Ensuring timely completion of annual reviews, transaction deadlines, portfolio reviews, covenant checks, and security monitoring will be essential elements of your responsibilities. You will be expected to maintain effective communication with both internal and external stakeholders in a professional manner. Monitoring the credit evolution of clients, identifying early warning signals, and promptly updating financial spreadsheets are crucial aspects of your role. Additionally, you will be involved in presenting credit proposals to local credit committees, participating in client meetings with Relationship Managers, and contributing to discussions on potential deals. Staying informed about credit policies and methodologies, actively engaging in credit projects, and supporting team members to enhance overall efficiency are also key components of this position. You may be required to assist the Head and team Lead of CTCM on an ad hoc basis and provide backup on tasks performed by the CTCM team when necessary. The ideal candidate for this role will have a background in Credit Analysis, Credit Ratings, and Credit Risk Management, with a minimum of 7 years of experience for the Assistant Manager level and 9+ years for the Manager level. This position is based in Mumbai, with shift timings from 7 AM to 4 PM. If you are looking for a dynamic role that involves strategic credit analysis, risk assessment, and collaborative teamwork, this opportunity could be the perfect fit for you.,

Role & responsibilities Resolution of stressed and special situation assets which involve business analysis study of company potential, industry and management risk, business and financial restructuring. Monitoring of early warning signals, cashflows, operational and financial performance of allocated portfolio. Review of credit files/ security documentation taking corrective actions in case of any discrepancies. Interacting with all stakeholders including company officials, other lenders, internal stake holders to ensure timely and appropriate implementation of banks strategy wrt to allocated portfolio. Close coordination with Legal team for cases which may involve litigation. Interaction with advocates for filing suits initiating legal action under SARFAESI, NCLT, DRT etc. Emphasize on value realization from portfolio through cross sell , advising, developing sustainable business plans. Preferred candidate profile Strong Credit Analytics/ Experience in handling stressed accounts (Preferred). Experience in preparing Credit Appraisal and Financial Analysis. Through Knowledge of RBI Guidelines/ IBC related guidelines/Restructuring. Strong interpersonal skills.