ACM - Emerging Corporates- Lucknow & Ahmedabad

Business Vertical: Corporate Finance

Department: Emerging Corporate

                      (Credit Appraisal)

Designation: Area Credit manager

Line of Business: Credit

Proposed Immediate Superior (Designation):  Regional Credit Manager

Grade: M4

Key Objective of the Job:

Ø  Credit analysis of proposal and preparation of credit notes.

Ø  Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality.

Ø  Meeting new customers and existing customers on regular basis

Ø  Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures

Ø  Ensure continuous monitoring for all high value exposures in the region.

Major Deliverables:

Ø  Quality of Credit Underwriting

Ø  Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc

Ø  Portfolio Monitoring

Ø  To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc

Ø  To raise early warning signals for exit of stress accounts and take due measures for timely exit.

Ø  To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

Educational Qualification:

Ø  Chartered Accountant OR MBA (Preferably Finance as Major subject)

Desired Experience:

Ø  4-6 years minimum in credit vertical (preferable for corporate lending).

Other desired attributes:

Ø  Team coordination, Good Attitude and willingness to learn & impart trainings