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Area Credit Manager

4 weeks ago

Kolkata, India Tata Capital Full time

Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager.

  • Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
  • To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
  • Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
  • Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.
  • Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation.

Major Deliverables:

  • To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
  • Perform detailed financial analysis and attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement/ variance in accordance with the accounting standards.
  • Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.
  • Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
  • To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.

Educational Qualification: Chartered accountant/ Post-Graduate in Finance stream.

Desired Experience:

  • Preferably having relevant experience of min 5-7 years
  • At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures.