Credit Manager - Working Capital

CHIEF RESPONSIBILITIES:

- Appraising the credit worthiness of the borrower involving Financial analysis, market reference checks , dedupes , Bureau checks , MCA checks , auditors reports , GST returns etc.

- Customer discussion/unit visits.

- Ensure adherence to Banks credit policy and Programs approved by designated authority / committee

- IMAC credit rating or Scorecard validation.

- PSL Classification as per the Fixed asset schedule.

- MIS updation of all the proposals - program type , Risk and Business TAT as well as score for analytics.

- Recommend/approve deviations and deferrals basis merits of each proposal.

- Timely review and renewal of proposals put up by Relationship teams.

- Risk Analyst to ensure all e mail approvals are captured from all the approvers and sent to CAD for FL generation and disbursement.

- Dispatch of all the customer files to outsourced file storing agency and sharing the list with CAD.

- File retrieval from the storing agency for audit.

- Review of stock audit reports and stock statements.

- Audited balance sheet review

- CAM grading

- Facilitate Internal as well external audits and hindsighting by Risk

- Adhere to the TAT as per SLA