Credit Manager- Machinery loans/Equipment Finance
1 week ago
Machinery Equipment funding
Location: Mumbai
Reports To: RCM
Position Overview:
The Branch Credit Manager for MEF -equipment Funding loans will be responsible for underwriting loan applications, managing credit policies, and ensuring the quality of the loan portfolio. This role requires a thorough understanding of loan origination and management systems, as well as a keen eye for detail in financial analysis and industry trends.
Specific Responsibilities:
Underwriting: Evaluate and underwrite MEF loan cases to ensure compliance with the company’s credit policies and risk appetite.
System Utilization: Make optimal use of the Loan Origination System (LOS) and Loan Management System (LMS) to streamline the credit process and enhance efficiency.
Credit Turnaround Time (TAT): Maintain and improve credit TAT to ensure timely loan approvals.
Policy Adherence: Manage credit underwriting processes in strict adherence to the company’s policies and guidelines.
Delinquency & NPA Monitoring: Monitor delinquency rates and Non-Performing Assets (NPA) to keep them within budgeted levels.
Credit Cost Management: Ensure credit costs are managed within the approved budgets.
Policy Feedback: Provide feedback to the Credit Policy team based on underwriting experience to improve credit policies and procedures.
Data Analysis & Reporting: Perform data slicing, analysis, and publish relevant reports to support decision-making.
Post Disbursement Document (PDD) Monitoring: Ensure all PDDs are collected and monitored effectively.
Industry Analysis: Conduct thorough industry analysis to stay updated on trends and risks affecting the MEF and SFP loan segments.
Key Performance Indicators (KPIs):
Turnaround Time (TAT)
Portfolio Quality
Quality of Appraisal
Cost Management
Implementation of Processes
Experience:
Minimum 3-5 years of experience in Credit Underwriting.
Technical Competencies:
Positive, pro-business attitude
Excellent analytical skills
Strong communication and presentation skills
In-depth product knowledge
Ability to understand asset types and their viability
Proficiency in reading and understanding legal and technical reports and valuations related to financed properties
Personal Attributes:
Excellent presentation skills
Strong communication skills
High level of analytical ability
Sincere and dedicated
Effective liaising skills
Mandatory Education Qualification:
Chartered Accountant (CA) or MBA (Finance) – full-time only
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