Credit Manager

Job Description

This is regarding opening For Credit Manager- Working Capital Finance Underwriting with NBFC Industry!! Experience: 5+Years Location: Delhi Key Responsibilities: In accordance with established RBI criteria and internal policy guidelines, evaluate and underwrite working capital facilities such as WCDL, Advance against Bills Receivable, Purchase Bill Discounting, and Sales Bill Discounting. Then, make decisions or suggest permission to the relevant authorities. To have a face-to-face conversation with the client in their office or factory to gain a thorough understanding of the entrepreneur's goals. To analyze the application customer's financial strength using their interim performance, audited financials, etc. To gain a thorough understanding of the customer's business or enterprise, identify the peculiarities of the business or trade being conducted, and evaluate the intention, business continuity, and credit behavior. This will be confirmed using both traditional income documents and reference checks, as well as various types of credit bureau checks and non-traditional income documents. Being exposed to start-ups will be beneficial. To draft a credit approval memo, make sure that all established policies and procedures are followed, and communicate with the sales team to proactively identify and address client concerns. To oversee the complete credit application procedure, from the point of inception to the point of payout. To manage the overall TAT and process the file in coordination with the FI and legal agencies. To create and update MIS that covers every facet of the proposal and process, and to promptly distribute it to the appropriate authorities. To manage exceptions and deferrals, track loan review mechanisms and credit audit issues, and make early warning and watch list calls. Qualifications and Experience Requirement ICWA, CA, MBA, or postgraduate degree in finance The candidate should have five to seven years of past expertise evaluating working capital applications through underwriting. The candidate should be proficient in Word and Excel, have good CAM writing abilities, comprehend KYC and related regulatory requirements, and be able to explain financial statement analysis. If interested share your updated resume on aayushi@thepremierconsultants.com #creditmanager #workingcapitalfinance #creditunderwriting #NBFCJobs #CAM #regulatoryguidelines #financeunderwriting #wc #sanction #creditprocessing