Credit Manager - Midmarket & NBFC| Chennai

Description

Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio

Responsibilities

Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio.Identify additional information requirements needed to properly assess risks of the transactionUnderstand and assess the customer's business model and its viability in the long runReview and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the businessConsiders alternative credit structures to mitigate risk where appropriateRecommend action to be taken on credit, identifies key risks and information requirementsEnsure that credit facilities presented are properly gradedMeet assigned timelines and ensure documentation requirements are met per the business and audit requirementsWork independently with limited supervision. Serves as a resource for less experienced Credit Officers.Personally develop and maintain strong working relationships with StakeholdersLead/ independently handle the business-critical projects.Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the sameDevelop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholdersAssume ownership of the allocated work.Having good understanding of underwriting big-ticket cases in Mid Corporate & NBFC segments.Should have underwritten deals with minimum exposure of 200 crs.Knowledge and understanding towards structured deals, acquisition finance, project finance.Ability of comprehend and fine tune financial models in case of project finance deals

Qualifications

Qualifications: CA/ MBA Finance

Experience: 5 to 7 years .