Regional Credit Manager - Working Capital

Regional Credit Manager - Working Capital

Senior Key Responsibilities:

- To appraise or underwrite working capital facilities like Fund based facilities (Cash Credit , Overdraft, WCDL, WCTL, TL, FCTL, Export Packing Credit, Advance against Bills Receivable, Purchase Bills discounting, Sales Bill Discounting , LCBD) & Non Fund based facilities ( LC, BG, LOU/BC, Bill Collection etc ) within defined RBI Guidelines / Internal policy guidelines and accordingly take decisions or recommend for approval to appropriate authority

- To conduct personal discussion with customer at their factory premises / Office to get clear idea / vision of the entrepreneur.

- To Analysis Financial strength of the applicant customer with the help of their Audited Financials , Interim Performance etc.

- To understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in and also To assess the intention, business continuity & credit behaviour and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.

- To verify legal and technical reports and identify the risks or critical points impacting the proposal. Need to have cordial relationship with Vendors & Should have good property insight.

- To analyse the audited / certified financials as the case may be & need to understand the Ratio Analysis in line of business / industry trends.

- To prepare Credit Approval Memo, To ensure complete adherence to laid down policy and procedure / process, Liaise with sales team to proactively assess and resolve issues faced by client.

- To Manage the entire credit application process right from origin till disbursement.

- To Co-ordinate with Legal, Valuer and FI agency for processing the file & Managing the overall TAT.

- To prepare and maintain MIS covering all aspects process and proposal and circulate to authorities on timely basis.

- To Read Reports Like Churn in Cash Credit / Overdraft Monthly Report , Interest Not Funded Monthly Report , Stock & Book Debts statement Not Submitted report , Limit Due but not renewed report , Trade Overdue Monthly report, Cheque Return Monthly Report, PNPA report etc.

- To do Exception/ Deferrals Management, Tracking of Loan Review Mechanism / Credit Audit Issue , Risk Base Supervision audit / Statutory Audit Early warning call / Watch List call.