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28/02 Kanchan Gupta
Senior Key Account Manager at Impeccable HR Consultants Pvt. Ltd.

Views:515 Applications:120 Rec. Actions:Recruiter Actions:6

Credit Manager - Unsecured Business Loans (1-7 yrs)

Mumbai/Hyderabad/Bangalore Job Code: 1055917

Assessing Credit Worthiness of potential client by

- Studying performance history to get an insight into Repayment track record.

- Analyzing wide range of information including detailed financial statements, bank statements and calculating various key financial ratios to understand financial position of the client.

- Personal discussions with the client to gather required documents, financial and other inputs necessary for underwriting and proper due diligence and understanding their business and requirement. Also, to be aware on the general trends and updates on various industries.

- Understanding cash flow cycle through fund flow and cash flow statements to get insight into business's market demand, business cycle

- Underwriting and Credit Appraisal of loan applications within defined guidelines, evaluating risk factors and identifying suitable mitigants and term sheet preparation. Accordingly take decisions or recommend for approval to higher authorities

- Ensuring systematic and timely verification processes, coordinating with the verification agencies like RCU, CPV agency and managing a team of CPAs

- Ensuring compliance of company policies, legal and regulatory regulations in loan sanctioning, disbursement and post disbursement process

- Maintaining Delinquency MIS and other operations related MIS and reporting them regularly

- Appointment of the title search advocates and valuers and coordinate with the client and TSR Advocate/ Valuers and finalizing report

- Timely processing the proposals to ensure faster turnaround time and also maintaining healthy portfolio for the product by putting periodic reviews of the accounts and monitor the portfolio on regular basis

- Working knowledge of Perfois

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.

Women-friendly workplace:

Maternity and Paternity Benefits

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