Credit Manager - Machinery Loans

Ratnaafin Capital; Hyderabad; Hybride; INR 1 500 000 - 2 500 000; Plein temps

Résumé du poste

Ratnaafin Capital in Hyderabad, India, seeks a Credit Manager to lead end-to-end loan processing for machinery and equipment finance. You will gather client financial data, conduct thorough analyses, and prepare CAMs for approval, while coordinating with Advocates, Valuers, and internal teams.

The role requires experience in credit assessment, due diligence, and strong policy compliance. Travel to client sites may be required as part of the assessment process.

Qualifications

• Strong ability to conduct financial analysis of proposals.
• Proficient in gathering and evaluating client data and financial documents.
• Ability to coordinate with multiple teams to gather information.

Responsabilités

• Coordinate with Relationship (Client Acquisition) Team and other stakeholders to gather financial data and documents.
• Conduct thorough financial analysis of proposals and prepare written findings and CAM for approval.
• Visit client sites for discussions to understand the business model before approval.
• Perform on-site/call-based due diligence and ensure compliance with credit policy.
• Prepare Credit Approval Memorandum (CAM) and address concerns from higher authorities.
• Maintain MIS on credit findings and respond to field audit queries.
• Review CIRs from other banks/financial institutes and maintain cross-department relationships.

Connaissances

Credit analysis

Financial analysis

Client coordination

Formation

CA/CFA or MBA in Finance

Description du poste

Role & responsibilities

• Coordination with the Relationship (Client Acquisition) Team to gather financial data and documents of clients as well as with Advocate & Valuer.
• Conducting a thorough financial analysis of the proposal before putting it to higher level authority for approval with given TAT with his/her written findings on credit proposal and basic do ability in terms of amount and commercials ensuring compliance with organization credit policy.
• Visit client office/Factory/House for personal discussion to understand the business model before putting it for approval.
• Conducting on sight/Call based due diligence.
• Prepare Credit Approval Memorandum (CAM) as per policy and discuss same with Senior Credit/Underwriting Manager.
• Addressing the concern raised by the Senior Credit/Underwriting Manager if any.
• Compiling MIS on credit findings and queries raised by the field audit report.
• Issuing requests and checking Credit Information Reports (CIR) of clients from other Banks and Financial Institutes.
• Maintain cordial relationships with other departments, manage queries, and support other miscellaneous initiatives.

Preferred candidate profile

• CA/CFA or MBA in Finance.
• Experience as a Credit Manager in Machinery/Equipment Finance.
• Experience in EndtoEnd processing of loan proposal