01Overview
Job Description:
Business Vertical: SME Finance Department: CEQ SME Finance Hiring Grade- M3/M4
Line of Business: Infrastructure finance
Proposed Reporting Manager
RCM-South
Position Title- Area Credit manager CEQ
Support and co-partner with business teams to manage end to end credit approval for the designated regionUnderwrite cases and present to senior level.In detail Analysis of financial statements, Bank statements, on-going works & assessing the borrowers serviceability of Term loans/working capital limits as the case may be,Meeting NTB & Existing customers to understand the market dynamics,Monitoring the deferrals, PDD, Early Delinquency accounts, Asset verifications,Completion of Annual review of accounts as per time lines,Authorize deviations raised and documented by underwriters in compliance with credit policy.Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases.Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.Co-ordinate with the recoveries team and generate business insights.To ensure portfolio quality and delinquencies.Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUBEnsure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
Specialized job competencies
Strong credit risk assessment & underwriting skills for Construction Equipment customers, financial analysis, analytical skills, excellent written and verbal communication skillsIT Skills (MS Word, MS Power Point, MS Excel and Tableau)Analytical skills with an ability to identify the hotspots in the portfolio.Upstanding of RBI regulations and compliance requirement on NBFCs especially for Asset Finance business.
Educational Qualification: MBA/PGDBA/PGPM/ CA or Equivalent
Desired Experience: Minimum work experience of 5-8 years in Risk/Credit vertical in Bank or NBFC in
Construction Equipment Credit Underwriting.
Location / s: Coimbatore/Chennai .
