Credit Manager

2 days ago

Navi Mumbai, Maharashtra, India Unicorn Petroleum Industries Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Role & responsibilities

  • Financial assessment of high-net-worth strategic customers through careful study of financial documents.
  • Risk Management; Reduced credit risk by developing Mitigation, workout and liquidation plans.
  • Implement risk assessment analysis with scoring models and reviewing complex credit proposal.
  • Consistent assessment of the strength and weakness within the portfolio.
  • Developed comprehensive learning modules for new credit managers, ensuring a seamless onboarding process and fostering a strong foundation in credit management practices.
  • Managed quality underwriting operations through implementing FIRST TIME RIGHT (FTR) logins, which resulted in qualitative turnaround time for the customers.
  • Implemented change management by reviewing quality of credit risk, assessment and underwriting processes through digitization.
  • Analyzed and verified financial documentation, including tax returns, bank statements, and financial statements, to assess borrowers' creditworthiness.
  • Utilized advanced underwriting tools and software to evaluate credit applications.
  • Developed custom underwriting criteria for different loan products to optimize risk management.
  • Engaged in regular review and adjustment of credit underwriting guidelines to reflect changing market conditions.
  • Conducted site visits and face-to-face interviews with major clients for high-value loan assessments for effective credit underwriting.

Creditworthiness: Assessing the creditworthiness of individuals, businesses, or current customers. This involves analyzing financial data, credit reports, and payment history.

Loan requests: Reviewing, approving, or denying loan requests.

Interest rates: Calculating and establishing interest rates.

Loan terms: Negotiating loan terms with clients.

Credit policies: Creating, reviewing, and revising company credit policies.

Compliance: Ensuring that all lending procedures are compliant with the law.

Collections: Managing collections effectively, including negotiating payment plans and maintaining positive customer relationships.

Credit scoring models: Developing models to predict hazards.

Bad debts: Monthly review of bad debts and assistance with bad debt provision analysis.

Skill

  • Proven work experience as a Credit Manager, Credit Analyst or similar role.
  • Hands-on experience with accounting software.
  • Solid understanding of lending procedures.
  • Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel).
  • Negotiation skills

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