Senior Credit Manager

3 weeks ago


Kolkata, West Bengal, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

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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