Credit Manager-Rajkot

1 week ago

Rajkot, Gujarat, India Electronica Finance Full time ₹ 1,04,000 - ₹ 1,30,878 per year

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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