Credit Manager- SME & MSME
15th sept 2021
Have previous warehouse experience
- Location – Currently in Bangalore/NaviMumbai
- Work-ex – 5-6 years in Credit underwriting activities in Financial Services entity
- Educational Qualification – Minimum Graduate (full time)
- Skills/Specialization/Competency
- Experience in Credit underwriting of Banks/NBFC Loan Company/Asset Finance Company is a must
- Excellent financial analysis skills of small corporates, SME & MSME financing, and industry analysis
- Ability to relate/co-relate information, findings during undertaking credit analysis
- Familiar with early warning signals from credit risk perspectives and usage of relevant tools to identify/categorize customers for better & close monitoring based on the warning signals
- Familiar with various credit analyses & risk management tools
- Ability to motivate & handle a team
- Broad role requirement
- Underwriting of small corporates, SME and MSME Agri project financing under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal/external rating, mitigants etc.
- Assist in developing/developing credit appraisal memos, credit policies, manuals etc.
- Assist in formulating & implementing Risk Control & Credit Management processes/strategies
- Manage processing and disbursement of loans for the allocated portfolio
- Act as internal Process Auditor and reviewer for SME/MSE/project advances
- Manage allocated NPA and Overdue portfolios
- Manage and monitor the post-sanction process of the allocated loan portfolio, including documentation, ROC charge creation, Mortgage execution, legal vetting of documents and disbursements etc.
- At the post-approval stage, checking of collateral documents, Legal & Valuation report
- Monthly/periodical monitoring and reporting of the overdue positions, recovery, limits utilization, AML alerts etc.
- Assist in mapping business requirements & coordinating in developing & implementing processes in line with the present guidelines, lead and assist selected process initiatives
- Monitoring the overall functioning of processes about the allocated portfolio, identifying improvement areas & implementing adequate measures to minimize credit risks
- MIS updating and sharing daily for the entire underwriting team for all products
- Coordination with the sales team of the various region to resolve the discrepancy