Area Credit Manager

6 days ago

Kolkata, West Bengal, India Tata Capital Full time ₹ 15,00,000 - ₹ 25,00,000 per year
  1. Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager. 
  • Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
  • To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
  • Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
  • Capture critical analysis of the Business/  Promoters / Industry /financials and other specific risk w.r.t. particular transaction. 
  • Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation Major Deliverables: 
  • To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
  • Perform detailed financial analysis and attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement/ variance in accordance with the accounting standards.
  • Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets. 
  • Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry. 
  • To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each Educational Qualification: Chartered accountant/ Post-Graduate in Finance stream Desired Experience:
  • Preferably having relevant experience of min 5-7 years 
  • At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures. 

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