Credit Manager - Corporate Accounts - BFSI

There is an urgent immediate Opening with one of our esteemed client for the position of Credit Manager - Corporate Accounts.

Please find below mentioned Job Description for the same.

Job Designation: Credit Manager - Corporate Accounts

Experience: 5+ years

Industry: Banking and Financial Services (BFSI)

Location: Bangalore, Thane

Job Description

You are an expert in credit assessment of loan applications based on balance sheet analysis. Having analyzed financial statements of hundreds of clients in the past, you know what to look for and more importantly, how to interpret the numbers. After all, reading between the lines is as important as reading the line items. Not only are you good at analyzing financials, you have also gained experience to formulate policies and guidelines on balance sheet based credit assessment.

You will meet schools during on-site visits to know more about their operations and also assess their projects for which the loan has been applied for. Exposure to techno-economic studies would be an added advantage to your candidature. Based on the past financials, interaction with the school leadership and the economics of the project being undertaken, you will be able to make projections

For the next few years and also arrive at eligibility for the loan applied for and make very important contributions in building a healthy portfolio of large school loans.

Specifically, the job description is as under:

Financial analysis of balance sheet to evaluate the credit worthiness of businesses and determine their ability to repay loans

Visiting schools and also gathering information from secondary sources including but not limited to credit bureaus

Evaluating the financial status of clients by producing financial ratios

Assessing, analyzing and interpreting complicated/incomplete financial information

Compare liquidity, profitability, debts, assets and credit histories of establishments being evaluated with those of similar establishments

Preparing reports about the degree of risk in lending money to clients

Compare liquidity, profitability, debts, assets and credit histories of establishments being evaluated with those of similar establishments

Evaluate target project and recommend disbursement & payment plan

Techno Economic Viability Study & Feasibility reports for proposed project covering technical parameters of a project and its impact on the financial viability of project

Preparing Credit Appraisal Note and submitting to loan committees for approval

Keeping knowledge of key issues up-to-date (for example legal, market risk, collateral risk and collection issues)

Keeping company credit exposures within set risk bearing limits

Review delinquent accounts to identify gaps in policy & process

Helping to enhance the quality of credit applications

Making recommendations about procedural/policy changes

Undertaking risk analysis by developing statistical models

Preferred Profile

- 5 years- experience in Corporate/SME Credit in a Bank or NBFC

- CA/Post Graduate from a reputed institution

- Self-driven; also a team player with the ability to appreciate other people's perspectives is absolutely essential.

- Willingness and ability to travel.

- Good written and verbal communication skills.

Minal
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