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Require now Sr. Credit Manager BBG _ Working Capital

7.00 to 10.00 Years   Mumbai City   23 Jan, 2024
Acura Solutions Hiring For Hiring for Leading NBFC
Job LocationMumbai City
EducationNot Mentioned
SalaryNot Disclosed
IndustryBFSI
Functional AreaFinance / Accounts / TaxRisk / Underwriting
EmploymentTypeFull-time

Job Description

    Sr. Credit Manager BBG - Working Capital Credit, Risk & Policy 1 To appraise or underwrite working capital facilities like Fund based facilities ( Cash Credit, Overdraft, WCDL,WCTL,TL, FCTL, Export Packing Credit, Advance against Bills Receivable, Purchase Bills discounting, Sales Bill Discounting, LCBD) & Non Fund based facilities ( LC,BG,LOU/BC, Bill Collection etc ) within defined RBI Guidelines / Internal policy guidelines and accordingly take decisions or recommend for approval to appropriate authority2 To conduct personal discussion with customer at their factory premises / Office to get clear idea / vision of the entrepreneur.3 To Analysis Financial strength of the applicant customer with the help of their Audited Financials, Interim Performance etc.4 To understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in and also To assess the intention, business continuity & credit behaviour and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.5 To verify legal and technical reports and identify the risks or critical points impacting the proposal. Need to have cordial relationship with Vendors & Should have good property insight.6 To analyse the audited / certified financials as the case may be & need to understand the Ratio Analysis in line of business / industry trends .7 To prepare Credit Approval Memo, To ensure complete adherence to laid down policy and procedure / process, Liaise with sales team to proactively assess and resolve issues faced by client.
    1. To Manage the entire credit application process right from origin till disbursement.
    1. To Co-ordinate with Legal, Valuer and FI agency for processing the file & Managing the overall TAT.
    10 To prepare and maintain MIS covering all aspects process and proposal and circulate to authorities on timely basis.11 To Read Reports Like Churn in Cash Credit / Overdraft Monthly Report , Interest Not Funded Monthly Report, Stock & Book Debts statement Not Submitted report, Limit Due but not renewed report, Trade Overdue Monthly report, Cheque Return Monthly Report, PNPA report etc.

Keyskills :
credit managementrisk management

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