Credit Manager (Machinery Loan)
Job Description:
Roles and Responsibilities
- Coordination with the Relationship (Client Acquisition) Team to gather financial data and documents of clients as well as with Advocate & Valuer.
- Conducting a thorough financial analysis of the proposal before putting it to higher level authority for approval with given TAT with his/her written findings on credit proposal and basic doability in terms of amount and commercials ensuring compliance with organization credit policy.
- Visit client office/Factory/House for personal discussion to understand the business model before putting it for approval.
- Conducting on sight/Call based due diligence.
- Prepare Credit Approval Memorandum (CAM) as per policy and discuss same with Senior Credit/Underwriting Manager.
- Addressing the concern raised by the Senior Credit/Underwriting Manager if any.
- Compiling MIS on credit findings and queries raised by the field audit report.
- Issuing requests and checking Credit Information Reports (CIR) of clients from other Banks and Financial Institutes.
- Maintain cordial relationships with other departments, manage queries, and support other miscellaneous initiatives.
Company Profile
The Company began its lending journey in early 2020 and has grown during the most difficult economic circumstances we have seen in a generation. In this period, the company went from 6 branches to 54 branches across 30 cities in 8 states of India. The growth was steady and focused on ensuring that the company stabilised operations in these 54 branches with a talent pool of 1000+ that now has a capacity of dispensing more than INR 3,000 Crore in loans every year.
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