01Overview
Job Description:
Credit Assessment and Approval:
Analyze and assess creditworthiness of customers applying for supply chain finance and inventory funding.
Review and evaluate financial statements, cash flows, bank statements, and market trends to determine customer risk profiles.
Conduct due diligence, including business and industry risk analysis, to evaluate creditworthiness and recommend approval, rejection, or modifications to credit applications.
Portfolio Management:
Manage and monitor an assigned credit portfolio to ensure performance and compliance with bank policies.
Regularly review client financial performance, monitor credit limits, and assess inventory funding exposures.
Identify potential problem loans early, propose solutions, and manage delinquent accounts.
Collaboration and Stakeholder Management:
Work closely with the sales and relationship management teams to understand client requirements and provide solutions.
Coordinate with risk, legal, and compliance teams to ensure adherence to regulatory and internal guidelines.
Assist the Regional Credit Head in portfolio reviews, regulatory reporting, and strategic initiatives.
Credit Policy and Compliance:
Ensure credit evaluations align with bank credit policies, industry standards, and risk appetite.
Maintain accurate and up-to-date documentation, including financial statements, credit memos, and approval notes.
Support audits, both internal and external, by providing documentation and insights on portfolio quality.
Product Knowledge and Market Insights:
Stay updated on market trends, regulatory changes, and developments in supply chain finance and inventory funding.
Leverage industry insights to adjust risk assessment models and refine credit decision-making criteria.
Team Development and Training:
Provide guidance and support to junior credit analysts or team members, sharing knowledge on best practices and risk management.
Conduct periodic training sessions on new credit assessment techniques, product knowledge, and regulatory changes. .
