Lead Credit Specialist

2 days ago


Pune, Maharashtra, India beBeeCredit Full time ₹ 8,00,000 - ₹ 12,00,000
Job Description:
As a diligent credit underwriter, you will be responsible for scrutinizing proposals from Non-Bank Financial Companies (NBFCs) and Financial Institutions (FIGs), ensuring that they meet our bank's policy requirements. Your goal will be to maintain a high-quality portfolio by efficiently processing all credit proposals and conducting effective post-disbursement credit control.

Key Responsibilities:
1. Conduct thorough CIBIL checks and internal deduplication as per process standards.
2. Analyze proposals received from the business/sales team, raising and resolving queries as necessary.
3. Participate in senior management meetings and branch visits to ensure seamless coordination with other departments.
4. Prepare comprehensive credit appraisal memos for term loans to NBFCs/FIGs, covering key aspects such as Management, Financial, Operational, Portfolio reviews, and PAR analysis within the specified timeframe.
5. Recommend suitable loan amounts and present the loan proposal to the credit committee.
6. Draft sanction letters outlining all essential conditions stipulated.
7. Conduct periodic monitoring visits to ensure timely loan utilization and identify potential early warning signals for existing clients.
8. Any additional tasks assigned from time to time.

Requirements:
- Strong analytical skills with attention to detail
- Excellent communication and interpersonal skills
- Ability to work effectively under pressure

Benefits:
This role offers opportunities for professional growth and development in a dynamic environment, with a competitive salary and benefits package.

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