Strategic Credit Professional
2 days ago
As a seasoned professional, we are seeking an experienced credit expert to join our team. The ideal candidate will have a proven track record of managing complex credit portfolios and making informed decisions that drive business growth.
Key Responsibilities:- Prepare and amend financial models with accurate information gathered from various sources.
- Conduct thorough credit assessments and create detailed transaction structures to ensure optimal risk management.
- Interact regularly with collections, sales, and customers to stay informed about market trends and delinquency levels.
- Meet with retail and strategic customers to understand industry dynamics and develop strategic partnerships.
- Pre-approve and rate clients with significant exposure, ensuring compliance with established policies.
- Provide regular training sessions for sales teams on product policies and processes.
- Monitor post-disbursement documents and maintain high-quality documentation standards.
- Develop and implement process improvements to enhance overall efficiency.
- Evaluate transactions for risk, identifying potential pitfalls and developing mitigation strategies.
- Perform in-depth financial analysis to inform business decisions.
- Prepare comprehensive credit notes detailing risk and mitigants.
- Conduct detailed financial appraisals, considering business models, working capital cycles, and profitability.
- Stay up-to-date with market intelligence through engagement with industry peers and research.
- Identify automation opportunities and new product development areas.
- Ensure high-quality credit underwriting practices.
- Raise early warning signals for distressed accounts and implement timely exit strategies.
- Maintain minimal audit queries and resolve issues within prescribed timelines.
- Utilize market knowledge to drive CE/CV market practices.
- Participate actively in customer visits and provide valuable insights.
- Promote regular MIS on market intelligence.
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