Area Credit Manager

4 weeks ago


Kolkata, India ARDOR TALENT SOLUTIONS PRIVATE LIMITED Full time

Position Title:Area Credit Manager Large Corporates

Key Objectives of theRole:

Handle responsibilitiesrelated to the Area Credit Manager profile.

Evaluate and assess Credit Approval Memorandum (CAM) notesand financial models submitted by the business team.

Prepare credit notes and financial models with accurateinformation sourced from the business team public domain and otherresources.

Structure transactions in compliancewith internal credit policies and regulatory frameworks.

Conduct critical analysis of the business promotersindustry financials and specific risks related to eachtransaction.

Clearly articulate risks andcorresponding mitigations along with sanction conditions andrecommendations.

MajorDeliverables:

Preparecomprehensive credit notes detailing transaction structuring andassessment focusing on the credit facility evaluation.

Perform indepth financial analysis addressing significantmovements in profit and loss statements and balance sheets andciting precise reasons for variances in accordance with accountingstandards.

Proficiently work with Excelbasedfinancial modeling managing large spreadsheets that analyze cashflows interlinked with other data.

Criticallyevaluate transaction risks including business financial andindustry risks associated with the borrower.

Identify relevant risks and submit appropriate mitigationsfor each.

EducationalQualifications:

CharteredAccountant or PostGraduate in Finance.

Desired Experience:

Minimum of 56 years of relevant experience.

At least a few years of experience in underwriting withinthe large/mid corporate segment including evaluating highticketsize exposures.

Skills

FinancialModeling, Credit Approval, Compliance, Excel


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