Credit Manager/Area Credit Manager at Financial Service Major, Mumbai

  • 4 - 10 Years
  • Not Mentioned
  • mumbai
  • permanent
  • Chartered Accountant,MBA
  • Financial_Services
  • Experience in underwriting for salaried personal loans, approving authority will be a benefit

    Role Description:

    1. Underwriting working capital & term loan, Business Loans, Personal loans  proposals for SME & in accordance with the underwriting policies & guidelines. Having experience across segments like Channel Finance & MID - Corporate business, etc.
    2. Financial Analysis of the balance sheets given for last 4/5 years to be done along with Key ratio analysis
    3. Ability to comprehend risk inherent to customer business
    4. Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models.
    5. Training the CPA team to prepare CAM and eligibility sheets as per assessment criteria and policy conditions
    6. Monitor the performance (TAT as well Quality) of key vendors & valuer’s and legal agencies recommend for empanelment of any new vendors in case of deficiency with current agencies
    7. Systematic & Meticulous and Ability to perform under pressure. Good analytical & logical abilities and Good communication
    8. Ability to work in teams internally and also build good relationships with customers
    9. Demonstrate core company values, including high integrity and ethics

    Training the Sales team on the product and polices.

    Job Specification:

    1. Credit Underwriting experience in SME/Mortgage/Personal loans products
    2. Strong Communication & negotiation skill
    3. Work experience 5 to 10 years


    Education Specification

    1. MBA – Finance/ Post Graduates/ CA

Employer Profile :

  • Financial Service Major, mumbai