
Credit Manager-Rajkot
2 weeks ago
Interested Candidate can share CV
Role & responsibilities
Financial Analysis:
- Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants.
- Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications.
Credit Risk Assessment:
- Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors.
- Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements.
Loan Structuring:
- Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company.
- Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability.
Documentation and Compliance:
- Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines.
- Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information.
Communication and Decision Making:
- Present credit proposals and recommendations to senior management and credit committees for approval.
- Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications.
Preferred candidate profile
Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr.
Perks and benefits
Best as per industry standards
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