Credit Manager
2 months ago
Position: CreditManager (Business Loan)
CTC: Upto 10 LPA
Location: Jaipur Rajasthan
Experience: 35 Years inCredit Underwriting
Note:Immediate Joiners are Preferred
Responsibilities:
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CreditAssessment: Evaluate the creditworthiness ofBusiness Loan applicants based on financial documents credithistory and risk analysis.
Underwriting: Review loanapplications ensuring compliance with lending policies regulatoryrequirements and internal guidelines.
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Decision Making:Make informed decisions on loan approvals rejections ormodifications considering factors such as the applicant'sincome debttoincome ratio collateral and credit score.
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RiskManagement: Identify potential risks associated withloan applications and develop strategies to mitigate them ensuringa balanced loan portfolio.
Client Communication:Communicate credit decisions to applicants and provide explanationsfor denials or requests for additional information.
Collaboration: Work closelywith sales operations and legal teams to streamline the loanapproval process and resolve any issues that may arise.
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PolicyDevelopment: Contribute to the development andrefinement of lending policies procedures and credit scoring modelsto enhance efficiency and risk management.
Qualifications:
- Bachelor's degree in financeaccounting or a related field. A Master's degree ispreferred.
- Proven experience in creditassessment and underwriting specifically in the Business Loansegment.
- Strong understanding of lendingprinciples credit analysis techniques and regulatoryrequirements.
- Excellent analytical skills withthe ability to interpret complex financial data and make sounddecisions.
- Effective communication andnegotiation skills with the ability to interact confidently withclients and internal stakeholders.
- Attentionto detail and the ability to work efficiently in a fastpacedenvironment.
- Knowledge of industryspecificsoftware and tools used for credit analysis andunderwriting
Regards
Vanshika Agarwal
Staffiaa Services
Connect:
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