Area Financial Risk Analyst

1 week ago

Pune, Maharashtra, India beBeeCreditManager Full time ₹ 15,00,000 - ₹ 25,00,000

Roles and Responsibilities of Area Credit Manager

  • Credit appraisal involves analysing applicant's financial status and credit evaluations to determine feasibility of granting loans with preparation of Credit Approval Memo (CAM).
  • Meeting with applicants to obtain information for loan applications and analysing the financial situation of the client through business place visits.
  • Pre and post sanction credit risk compliance is necessary for maintaining a healthy portfolio.
  • The complete Credit & Backend process needs to be handled at branch level and resources should be trained regarding Credit, Operations and Sales documentation.
  • Active engagement with 3rd party vendors and tracking completion of all necessary verifications checks related to the loan application within the required turn around time.
  • Maintenance of TAT for UBL proposals at an acceptable level is essential.
  • Managing overall credit and risk functions for the areas/locations assigned is crucial.
  • Facilitating business teams to achieve monthly/annual business targets.
  • Ensuring adherence to credit policy and defined processes.
  • Providing inputs for designing and implementation of credit policy and programmes, new initiatives and periodical changes in credit policy and programmes based on sales team feedback and market trends.
  • Portfolio Quality maintenance and being responsible for collections, delinquency. Responsible for controlling delinquencies through portfolio review especially monitoring non-starters.
  • Coordination with Operations team for disbursal, OTC and PDD process.
  • Hiring of credit resources as per manpower budgeting, attrition management and performance management.
  • Ensuring audit compliance and regulatory compliance for his/her location/area.
  • Reference checks for prospective borrowers from market links and existing lenders.
  • Coordinating for training programs for credit/sales team.
  • MIS management for his vertical.

Required Skills and Qualifications:

  • Strong analytical and problem-solving skills.
  • Effective communication and interpersonal skills.
  • Ability to work in a team environment.
  • Highly organised and able to manage multiple priorities.
  • Proficient in Microsoft Office.

Benefits:

  • Competitive salary package.
  • Opportunities for career growth and development.
  • Collaborative and dynamic work environment.

Others:

  • Disclaimer: The above job description is a general overview of the role and its responsibilities.

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