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Vice President - Recruitments at Confluence Consulting Pvt Ltd
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National Credit Manager - Working Capital Finance (15-22 yrs)
We are looking for National Credit Manager - Working Capital Finance for a Private Bank in Mumbai
The incumbent will be part of the credit team, and will be responsible for managing credit process for working capital finance. The incumbent will be responsible to monitor the credit process of the Bank with respect to Working capital loans managing products like CC, SBLC, Letter of Credit & Other OD products within the limits of WCF Policy with an objective of exposing the Bank to minimal risk within the risk framework & recovery guidelines of the Bank.
With overall business target of Retail Secured Lending (WCF); plan the budget for a given year; plan for manpower as per geographic spread
Create policies, terms & conditions for all products in WCF; create risk riders basis historical cases and predictive data; maintain checks & balances; identify and make rules within the processes; create deviations & exceptions on case to case basis; make & suggest amendments in the policies depending on a unique customer need or challenge, on market changes and regulatory boundaries and/or depending on the competitors new products; yearly review of the policies to test its feasibility
Working closely with Remedial Team to handle any PDD & collection of delinquent accounts.
Address, appraise & meet the customer; guide the team in understanding & evaluating customer's business & financials; oversee & supervise the due diligence conducted s - on the documents, collaterals, securities; cross-check the capacity and intent of the customer by analyzing the data submitted & market referencing; coordinate with internal Retail Teams for information; analyze cases of rejection in lending; meet the customers on a timely basis and state reasons of rejection, keeping the business team in the loop; recommend credits and internally guide the team to coordinate with the Operations team for authorization; Post authorization amend & enhance loan facilities if required by the customer following the due diligence process involved
Location - Mumbai
Qualification - MBA/CA/CFA
15 to 17 years of relevant work experience with a Bank
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