Area Credit Manager - Large Corporate Credit Appraisal

Tata Capital Finance Ltd; Chennai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Tata Capital Finance Ltd in Chennai is seeking an Area Credit Manager - Large Corporate to lead credit appraisal, structure transactions and assess risks in conformance with internal policy and regulatory requirements.

You will prepare credit notes and financial models, gather data from the business team and public sources, analyze promoters, industry and financials, and articulate sanctions with clear conditions and mitigants.

Qualifications

• 5–7 years of relevant experience in area credit underwriting
• Strong financial analysis skills including cash flows, P&L and balance sheet movements
• Experience in structuring transactions per internal policy and regulatory requirements

Responsibilities

• Prepare credit notes with detailed transaction structuring and assessment
• Critically evaluate borrower risk, business & financial risk and industry risk
• Identify risks and submit mitigants and sanction conditions for approval

Skills

Credit appraisal

Financial modelling

Cash flows analysis

Risk assessment

Underwriting

Tools

Excel

Job description

Area Credit Manager - Large Corporate - Credit Appraisal - Chennai - Centennial Square - MM*

Key Objective of the Job:

To handle responsibilities mapped to profile of Area Credit Manager. Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources) Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework. Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction. Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation.

Major Deliverables:

• To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
• Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
• To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.

Specialized job competencies:

Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.

Financial Analysis:

Perform detailed financial analysis and attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement/ variance in accordance with the accounting standards.

Desired Experience:

Preferably having relevant experience of min 5-7 years At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures