Senior Credit Manager
4 weeks ago
**Job Title:** Senior Credit Manager - Large Corporates
**Job Summary:** We are seeking a highly skilled Senior Credit Manager to join our team at ARDOR TALENT SOLUTIONS PRIVATE LIMITED. The successful candidate will be responsible for handling responsibilities related to the Area Credit Manager profile, evaluating and assessing Credit Approval Memorandum (CAM) notes and financial models submitted by the business team, and preparing credit notes and financial models with accurate information sourced from the business team public domain and other resources.
**Key Responsibilities:**
- Evaluate and assess Credit Approval Memorandum (CAM) notes and financial models submitted by the business team.
- Prepare credit notes and financial models with accurate information sourced from the business team public domain and other resources.
- Structure transactions in compliance with internal credit policies and regulatory frameworks.
- Conduct critical analysis of the business promoters' industry financials and specific risks related to each transaction.
- Clearly articulate risks and corresponding mitigations along with sanction conditions and recommendations.
**Deliverables:**
- Prepare comprehensive credit notes detailing transaction structuring and assessment focusing on the credit facility evaluation.
- Perform in-depth financial analysis addressing significant movements in profit and loss statements and balance sheets and citing precise reasons for variances in accordance with accounting standards.
- Proficiently work with Excel-based financial modeling managing large spreadsheets that analyze cash flows interlinked with other data.
- Critically evaluate transaction risks including business financial and industry risks associated with the borrower.
- Identify relevant risks and submit appropriate mitigations for each.
**Requirements:**
- Chartered Accountant or Post-Graduate in Finance.
- Minimum of 56 years of relevant experience.
- At least a few years of experience in underwriting within the large/mid corporate segment including evaluating high-ticket size exposures.
- Skills in Financial Modeling, Credit Approval, Compliance, and Excel.
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