Job descriptionRole & responsibilitiesArea Credit ManagerTo prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility To perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement.To prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigantsUndertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the teamPre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processesManaging portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levelsWorking on projects/process improvements from time To timeTo be able critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industryDevelopment of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio healthTo identify the automation opportunities in existing processes, new product developmentTo raise early warning signals for exit of stress accounts and take due measures for timely exitTo ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelinesRole: Credit RiskIndustry Type: NBFCDepartment: Risk Management & ComplianceEmployment Type: Full Time, PermanentRole Category: FinanceEducationPG: CA in CA, MBA/PGDM in FinanceKey SkillsSkills highlighted with ‘‘ are preferred keyskillsCredit UnderwritingCAMCredit AppraisalCredit ProcessingReport this jobAbout companyTata Capital Limited is a financial and investment service provider in India. The company is based in Mumbai and has more than 100 branches across the country. The firm offers consumer loans, wealth management, commercial finance, and infrastructure finance, among others.Company InfoAddress:BUILDING A,3 RD FLOOR OFF POKHRAN ROAD NO 2,THANE WEST , THANE, Maharashtra, India
