Area Credit Manager

1. Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager.

- Handling and evaluating/assessing CAM Note as well financial model submitted by Business Team

- To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)

- To be able to structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.

- To be able to capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.

- Also to be able to write /attend for the respective mitigates against each identified risk/weakness along with the sanction conditions/ recommendation.

2. Major Deliverables:

- To prepare the credit note comprising of the detailed transaction structuring/assessment with a focus on the assessment part of the sought credit facility.

- To perform the financial analysis in detail attending to all major movements in P&L.

- Balance sheet while ascertaining /citing the precise reason of such movement/ variance.

- Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.

- To be able critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.

- To Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each.

3. Educational Qualification:

- Preferably a chartered accountant.

- OR Post Graduate in Finance / Commerce stream.

4. Desired Experience:

- Preferably having an experience of 7-8 years

- At least few years of work experience in underwriting in large/Mid corporate segment comprising of evaluating high ticket size exposures.