Senior Credit Manager
3 weeks ago
Job Title: Senior Credit Manager - Large Corporates
About the Role:
We are seeking a highly skilled Senior Credit Manager to join our team at ARDOR TALENT SOLUTIONS PRIVATE LIMITED. As a Senior Credit Manager, you will be responsible for handling key responsibilities related to the Area Credit Manager profile.
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:
- Financial Modeling
- Credit Approval
- Compliance
- Excel
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