Job Description : - Analysis of Financial Statement, Bank statement and other key parameter to check the credit worthiness for Unsecured Working Capital Loan.
Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness.
Maintaining strict TAT for credit application analysed and Providing Credit-related inputs for deciding variables of the algorithms and help Data Scientists for Credit-worthiness Model-Credit approval and ensuring approval is within TAT-Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence.
for renewal & new borrowers)-To ensure completion of credit / KYC documents and verification- telephonic, field & collateral visits.
Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager / Senior credit managers at HO directly or through Credit team at HO-To prepare Credit Appraisal Memo (CAM).
Responsible for Credit Assessment-To coordinate with sales to achieve targets and ensure TAT or SLAs are met.
To ensure credit policy adherence to the accepted standards.-To control and contain front-end delinquencies by calling up customer on first presentation.
Work closely with RM / Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvalsDesired Candidate Profile : Good experience in Credit analysis - Balance sheet, Profit & Loss Statement, Bank Statement, ratioGood eye for detailGood analytical SkillsUnderstanding of credit policies and proceduresUnderstanding of Financial / Banking products and servicesExperience in Credit CPA role or similar profileExperience in SME business lendingBehavioural Competencies Required : Analytical thinkingCommitmentResult oriented Customer CentricConcern for quality Skills : - Financial Ratio Analysis, credit assessment, credit analysis, Quality analytics, SME lending, business loan and Credit policies