Branch Credit Manager

Profectus Capital; Indore District; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Profectus Capital is seeking a Branch Credit Manager specializing in EML/SME loans in Indore District, Madhya Pradesh. The ideal candidate will have 3-5 years of credit underwriting experience and strong analytical skills.

Your responsibilities will include underwriting cases, maintaining credit timelines, managing underwriting as per policy, and providing feedback on credit policy. The role demands a Chartered Accountant or MBA (Finance) />

Qualifications

• Credit Underwriting Experience of minimum 3-5 years.

Responsibilities

• Underwriting of EML & SME cases.
• Make optimal use of the Loan Origination System.
• Maintain Credit TAT.
• Manage Credit Underwriting as per policy.
• Monitor Delinquency and NPA to budgeted levels.

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) full time only

Job description

Position –

Branch Credit Manager – EML/ SME loans

Specific Responsibilities –

• Underwriting of EML & SME (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

Experience –

Credit Underwriting Experience of minimum 3-5 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

Mandatory Education Qualification –

Chartered Accountant / MBA (Finance) full time only