Credit Manager- Machinery loans/Equipment Finance
2 months ago
Machinery Equipment funding
Location: Mumbai
Reports To: RCM
Position Overview:
The Branch Credit Manager for MEF -equipment Funding loans will be responsible for underwriting loan applications, managing credit policies, and ensuring the quality of the loan portfolio. This role requires a thorough understanding of loan origination and management systems, as well as a keen eye for detail in financial analysis and industry trends.
Specific Responsibilities:Underwriting: Evaluate and underwrite MEF loan cases to ensure compliance with the company’s credit policies and risk appetite.System Utilization: Make optimal use of the Loan Origination System (LOS) and Loan Management System (LMS) to streamline the credit process and enhance efficiency.Credit Turnaround Time (TAT): Maintain and improve credit TAT to ensure timely loan approvals.Policy Adherence: Manage credit underwriting processes in strict adherence to the company’s policies and guidelines.Delinquency & NPA Monitoring: Monitor delinquency rates and Non-Performing Assets (NPA) to keep them within budgeted levels.Credit Cost Management: Ensure credit costs are managed within the approved budgets.Policy Feedback: Provide feedback to the Credit Policy team based on underwriting experience to improve credit policies and procedures.Data Analysis & Reporting: Perform data slicing, analysis, and publish relevant reports to support decision-making.Post Disbursement Document (PDD) Monitoring: Ensure all PDDs are collected and monitored effectively.Industry Analysis: Conduct thorough industry analysis to stay updated on trends and risks affecting the MEF and SFP loan segments.
Key Performance Indicators (KPIs):Turnaround Time (TAT)Portfolio QualityQuality of AppraisalCost ManagementImplementation of Processes
Experience:Minimum 3-5 years of experience in Credit Underwriting.
Technical Competencies:Positive, pro-business attitudeExcellent analytical skillsStrong communication and presentation skillsIn-depth product knowledgeAbility to understand asset types and their viabilityProficiency in reading and understanding legal and technical reports and valuations related to financed properties
Personal Attributes:Excellent presentation skillsStrong communication skillsHigh level of analytical abilitySincere and dedicatedEffective liaising skills
Mandatory Education Qualification:Chartered Accountant (CA) or MBA (Finance) – full-time only
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