Area Credit Manager

Profectus Capital; Coimbatore District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Profectus Capital is seeking an experienced Area Credit Manager for MEF/SFP loans in Coimbatore District. This role involves underwriting, managing credit processes, and ensuring adherence to policy guidelines.

The ideal candidate will possess a Chartered Accountant or MBA (Finance) qualification, with a minimum of 5-6 years of credit underwriting experience. Strong analytical and communication skills are essential to succeed in this role.

Qualifications

• Credit Underwriting Experience of minimum 5-6 years.
• Good communication skills.
• Good Financial Analysis Skill.
• Knowledge of Computer Applications.

Responsibilities

• Underwriting of MEF & SFP cases.
• Maintain Credit TAT.
• Manage Credit Underwriting as per policy.
• Monitor Delinquency and NPA.
• Data Slicing/Analysis and publishing of reports.

Skills

Positive, pro-business attitude

Excellent Analytical skills

Communication and Presentation skills

Product knowledge

Ability to understand asset type and its viability

Ability to read and understand legal and technical reports

Education

Chartered Accountant / MBA (Finance)

Tools

Loan Origination System

Loan Management system

Job description

Position –

Area Credit Manager – MEF/SFP loans

Reporting to –

RCM

Specific Responsibilities –

• Underwriting of MEF & SFP (medical equipment/machinery funding, School funding) cases
• Make optimal use of the Loan Origination System and Loan Management system
• Maintain Credit TAT
• Manage Credit Underwriting as per policy
• Monitor Delinquency and NPA to budgeted levels for the product
• Manage Credit Cost as per approved budgets
• Give feedback to Credit Policy based on experience of underwriting
• Data Slicing/ Analysis and publishing of the reports
• PDD monitoring
• Industry Analysis

Key Performance Indicators –

• TAT
• Portfolio Quality
• Quality of Appraisal
• Cost Management
• Implementation of Processes

Internal –

Sales, Credit Underwriting team, HR, Admin, IT

External –

Customers, Agencies

Experience –

Credit Underwriting Experience of minimum 5-6 years

Technical Competencies –

• Positive, pro-business attitude
• Excellent Analytical skills
• Communication and Presentation skills
• Product knowledge
• Ability to understand asset type and its viability
• Ability to read and understand legal and technical reports and valuations related to properties financed by the company

Personal Attributes –

• Presentation Skills
• Communication Skills
• Analytical Skills
• Sincere
• Liasonsing skills

Formal Qualification –

Chartered Accountant / MBA (Finance) Mandatory

What is mandatory & Desirable –

• Good communication skills
• Good Financial Analysis Skill
• Knowledge of Computer Applications