Financial Credit Specialist

10 hours ago

Mumbai, Maharashtra, India beBeeCredit Full time ₹ 1,04,000 - ₹ 1,30,878

Job Title: Financial Credit Specialist

Description:

In this challenging role, you will be responsible for conducting thorough credit appraisals for real estate clients across various fund-based exposures, including working capital, overdraft/cash credit, term loans, and non-fund-based exposures such as letters of credit and bank guarantees.

  • You will prepare detailed proposal notes and ensure clearance from credit sanctioning committees to facilitate smooth decision-making.
  • Maintaining strong client relationships is essential, requiring you to meet with clients, evaluate prospective customers and markets, understand their requirements, and structure proposals/deals within the bank's credit guidelines and programs.
  • To identify potential risk triggers or stress signs, you will closely monitor economic and industry developments, as well as client financial parameters.
  • A key aspect of this position involves performing in-depth credit and background reference checks on all prospective clients.
  • You will make presentations to sanctioning committees for sanctions and approval of credit files in line with bank policies.
  • In collaboration with account relationship teams, you will jointly monitor portfolios based on early warning systems.
  • You will also be responsible for preparing risk/rating sheets and making recommendations to approving committees.
  • Within delegated powers, you will approve cases and continuously monitor portfolios for early warning signals.

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