72 Credit Policies Jobs - Page 2

Role Overview: You will be responsible for managing the Banks Credit Risk Policies in the role of Wholesale Credit Policy within the Risk Management department at Yes Bank Limited in Mumbai (YBH). Your primary duties will include preparing and maintaining various Bank policies in alignment with RBI guidelines and best practices in Risk Management. Additionally, you will be tasked with creating and managing Credit Underwriting CAMs and Spreads, conducting Sectoral reviews, and monitoring sectoral limits. Key Responsibilities: - Prepare and maintain various Bank policies in alignment with RBI guidelines and best practices in Risk Management. - Create and manage Credit Underwriting CAMs and Spr...

Key Responsibilities: Manage the loan application to disbursement process , ensuring all required documentation and verifications are completed accurately. Supervise and guide the loan processing team to ensure daily operations run smoothly and efficiently. Coordinate with sales, credit, risk, legal, and operations teams for seamless loan approval and disbursement. Review loan applications for completeness, accuracy, and compliance with company and regulatory standards. Monitor turnaround time (TAT) for loan processing and implement improvements for efficiency. Handle escalations and resolve complex cases related to loan documentation or customer issues. Ensure KYC, income verification, cred...

As a part of this role, you will be responsible for ensuring adherence to credit and KYC policies. This includes verifying all KYCs and financial details of borrowers and conducting analysis. It will be your duty to ensure timely processing and adherence to Turnaround Time (TAT) standards. Effective communication with the field team regarding TAT and KYC issues will be a key aspect of this role. Additionally, you will be involved in training the field teams to achieve a First Time Resolution (FTR) rate of 90%. Monitoring credit trends and demonstrating expertise in Excel are also expected from you. The ideal candidate for this position should hold a Graduate or Post Graduate degree in any di...

As a valued member of our team, you will be responsible for evaluating unsecured business loan applications by analyzing financial statements and assessing creditworthiness. Your role will involve conducting financial underwriting for business loans without collateral, ensuring strict adherence to credit policies and regulatory guidelines. Collaboration with sales and credit teams will be essential to facilitate the smooth processing of loan approvals. Additionally, monitoring loan performance and implementing risk mitigation strategies will be part of your core duties. To excel in this position, you should possess 2-3 years of relevant experience in unsecured business loans or financial und...

You will be responsible for researching and evaluating clients" creditworthiness. Your duties will include creating credit scoring models to predict risks, approving or rejecting loan requests based on credibility and potential revenues and losses, calculating and setting interest rates, negotiating loan terms with clients, and maintaining records of loan applications. Additionally, you will be required to follow up with clients to manage debt settlements and loan renewals, ensuring all lending procedures comply with regulations. You will also play a key role in developing, reviewing, and updating our company's credit policies.,

As a Credit Analyst, your primary responsibility will be to research and assess the creditworthiness of clients. You will be tasked with creating credit scoring models to effectively predict risks associated with lending. Based on your analysis, you will have the authority to approve or reject loan requests, taking into account the credibility of the clients and the potential revenues and losses involved. Additionally, you will be in charge of calculating and setting interest rates, as well as negotiating loan terms with clients to ensure a mutually beneficial agreement. It will be essential for you to maintain accurate records of loan applications and follow up with clients to manage debt s...

The candidate must possess a thorough understanding of products such as Term loans, Working capital, and structural products. The role does not have a specific sector focus and requires the following skills: - Conducting due diligence on corporate entities, groups, and promoters. - Analyzing financial statements. - Understanding industry and market dynamics related to proposals and applying this knowledge in credit assessments and risk mitigation. - Conducting site visits and holding personal discussions with promoters or CFOs. - Creating credit notes with specific deal covenants. - Ensuring compliance with internal credit policies and documenting any deviations in the credit notes. - Approv...

You will be responsible for researching and evaluating clients" creditworthiness. Your role will involve creating credit scoring models to predict risks and making decisions to approve or reject loan requests based on credibility, potential revenues, and losses. Additionally, you will be tasked with calculating and setting interest rates, negotiating loan terms with clients, and maintaining records of loan applications. It will be part of your job to follow up with clients to manage debt settlements and loan renewals. You will also be required to ensure that all lending procedures comply with regulations and to actively participate in developing, reviewing, and updating our company's credit ...

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...

You will be responsible for sourcing to loan disbursement of LAP Files. It is essential to have a market connect of 25+ DSA channels. You should possess a good understanding of various programs such as Vanilla income, Low LTV, Banking Product, NIP/LIP, etc., along with a basic understanding of financials. Regular field visits are required to meet channel partners and establish strong relationships. Demonstrating a comprehensive understanding of the Loan Against Property product, including eligibility criteria, valuation methodologies, and risk assessment is crucial. You will be accountable for monthly Login activities, ensuring accurate and timely documentation following internal processes. ...

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 Credit Analyst, you will be responsible for evaluating proposals and credit requirements of clients, presenting them to Management for approvals, and managing pre and post-sanctioning documentation. You will prepare CMA reports and financial reports for the Bank, ensuring compliance with organizational and Bank credit policies. Your role will also involve driving recovery and follow-up efforts with customers for dues, maintaining strong relationships with loyal Banks, and establishing connections with new ones. It will be essential to update Management regularly on proposal statuses and market trends, collaborate with bankers to optimize the overall cost of funds and declarations, and s...

You are looking for a Senior Manager Credit Controller/Account Receivable to take charge of credit risk management within the organization. In this role, you will be responsible for supervising billing, collections, and credit control functions. Your main duties will include ensuring prompt and accurate invoicing, managing outstanding receivables, and enforcing credit policies to maintain optimal cash flow. Collaboration with internal teams and external stakeholders will be crucial to ensure smooth financial operations. Your responsibilities will include overseeing the end-to-end Accounts Receivable (AR) process, which involves tasks such as invoicing, collections, reconciliations, and repor...

Job Summary: We are seeking a skilled Credit Underwriter to join our team in evaluating loan applications from dairy farmers. The successful candidate will conduct video calls with applicants to gather financial information, analyze cash flow, and make informed decisions on loan approvals. The Credit Underwriter will also maintain accurate records, track portfolio quality, and perform loan utilization checks. Key Responsibilities: 1. Conduct Video Calls: Engage with dairy farmers via video calls to gather information on income sources, assets, household details, and liabilities. 2. Analyze Cash Flow: Evaluate applicants' cash flow to determine their ability to repay loans. 3. Make Loan Decis...

The role of Credit Manager-Credit Cards in Retail Banking at Mumbai involves providing recommendations for enhancing and modifying credit policies and procedures. These recommendations are aimed at ensuring compliance with all requirements, mitigating risks, and delivering exceptional customer service. Additionally, conducting a detailed analysis of the existing business portfolio, suggesting changes to support business growth, and implementing policies to maintain a high-quality retail portfolio within the specified Turnaround Time (TAT) are key responsibilities. Utilizing tools such as automation and digitization to enhance process efficiency is essential. Moreover, ensuring the effective ...

The Deputy Sales Manager Secured Business Loan will be responsible for driving the sales and growth of the secured business loan portfolio. This role requires strong sales leadership, a deep understanding of secured lending products, and the ability to manage a team of field executives. The ideal candidate should be goal-oriented, have strong business acumen, and maintain strong relationships with clients and partners. Key Responsibilities: - Drive the sales of secured business loans by leading a team of sales executives. - Achieve monthly, quarterly, and annual targets for loan disbursals and revenue. - Identify and acquire new clients for secured business loans (e.g., LAP, Working Capital ...

Location Manager - RCU Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RM's and company involved Ensure adherence of credit policies and RB...

Responsibilities (Sales & Marketing) 1. On-Ground Responsibilities (Field Sales) Field Visits: Regularly visit rural markets, farmers, and retailers to establish personal relationships, promote products, and conduct sales meetings. Sales Pitch & Product Demonstrations: Provide in-person product demonstrations, explaining benefits and helping customers understand the value of the products in their rural context. Meetings with Stakeholders: Meet with key stakeholders, such as retailers, local business owners, or community leaders, to build networks and facilitate product sales. Conducting Trainings: Organize and conduct on-site training sessions for farmers and field extension service officers...

Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, communication, and problem-solving skills. Ability to work effectively in a fast-paced environment ...

Job Requirements Role/ Job Title: Credit Manager - Wholesale Banking Function/ Department: Wholesale Banking Risk Job Purpose To manage and oversee the banks lending process within the wholesale banking segment, ensuring sound credit decisions through thorough evaluation of clients creditworthiness. The role involves developing credit scoring models, setting loan terms, and collaborating with cross-functional teams to implement and maintain robust credit policies and systems. Roles & Responsibilities Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions. Research and evaluate clients creditworthiness throug...

The Credit Analyst will be responsible for appraising proposals and working closely with the Relationship Manager and Funding Specialists. You will be responsible for the appraisal of SME loans, approving documents, and generating analysis reports based on the analysis of the borrower's cash flow statements, tax returns, and other financial information. Additionally, you will perform and verify system-generated detailed financial and ratio analysis, interpret financial information to determine credit quality, and interact with borrowers for any additional information. To be successful in this role, you should have strong analytical skills, including the ability to read and assess individual ...

The role of a Specialist - Business Rule Engine (BRE) involves overseeing the design, implementation, and optimization of rule-based systems that govern credit policies for various loan products. It is crucial to ensure that credit policies align with the bank's credit strategy, regulatory requirements, and evolving market conditions. Collaboration with cross-functional teams, including IT, data science, compliance, Product, and underwriting teams is essential to embed business rules effectively in systems and processes. Additionally, the role plays a strategic part in assessing and enhancing the automation of credit decision processes. In terms of business responsibilities, the Specialist i...

As a Sales Manager, your main responsibility will be to strengthen B2B, Travel, HoReCa & Institutional sales networks. You will need to build long-term relationships with customers, vendors, and institutions/canteens. It will be important to liaise effectively with key accounts to have the company and its SKUs listed in order to enhance sales. Ensuring that all SKUs are listed and available in given chains will also be a crucial part of your role. Expanding distribution and acquiring new accounts in the assigned geographic area through effective market analysis will be a key focus. Crafting new sales strategies and offers to boost sales, conducting market research to identify selling possibi...

As the Risk Manager for the company's mortgage portfolio, your primary responsibility will be to manage the risk dynamics effectively by implementing proactive mitigation actions. You will play a crucial role in maintaining the balance between risk and reward for the mortgage portfolio through strategic decision-making and policy development. Your key tasks will include writing and modifying credit policies, product parameters, and processes to establish comprehensive lending guidelines. Additionally, you will be responsible for formulating acquisition and portfolio policies, conducting in-depth analysis to optimize risk and reward trade-offs, and fine-tuning acquisition strategies. Monitori...

As an Area Credit Manager, you will be responsible for overseeing and managing the credit operations within a designated area or region. Your primary role will involve assessing the creditworthiness of potential customers, evaluating credit applications, and determining appropriate credit limits. You will also be required to monitor and analyze the credit performance of existing customers, identifying any potential risks or issues. In this position, you will work closely with the sales team to ensure that credit policies and procedures are followed effectively. You will be responsible for maintaining strong relationships with both internal and external stakeholders, including customers, fina...