Credit Manager Pune/Nagpur/Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a Credit Manager for the SME portfolio. You will prepare credit appraisal notes, conduct financial analysis to assess solvency and repayment capacity, and present proposals to sanctioning forums for timely approval.

The role requires CA or MBA qualifications, strong analytical skills, and a solid understanding of working capital products. You will lead a small team and ensure adherence to credit policies and risk controls.

Qualifications

• Credit appraisal notes preparation for SME sector.
• Financial analysis to assess solvency and repayment capacity.
• Interaction with sanctioning authorities and presenting proposals.

Responsibilities

• Prepare Credit Appraisal notes for SME sector.
• Conduct financial analysis to assess solvency and liquidity.
• Prepare appraisal notes and carry out credit checks.
• Present proposals to sanctioning forums for approval.
• Interact with approving authorities to provide required information.
• Lead a team of 3–4, ensure timely renewal of accounts.
• Align decisions with business needs while upholding policies.
• Discuss risk assessment terms with business teams.
• Submit inspection/review reports for units.
• Monitor accounts as per sanctioning authority terms.
• Prepare monthly/quarterly monitoring reports.
• Escalate non-compliances with action plans.

Skills

Credit appraisal

Financial analysis

Risk assessment

Working capital

Solvency evaluation

Education

Chartered Accountant

MBA

Job description

Role & responsibilities

Role : CreditManager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

PreparationofCreditAppraisal notes forSME.

• Ticket Size Handled would be up to 1 to 100 CR.
• Creditappraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes,creditchecks etc.
• As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of thecredit/ economic developments.
• Manage and ensure timely renewal of accounts and enhancement of portfolio
• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the businessteams.
• TeamHandling3 – 4 people
• Discuss with business on Terms and Conditions for risk assessments
• Discuss with customers for obtention of information for preparation of CRANs.
• Monitor the accounts based on the terms stipulated by Sanctioning Authority.
• Prepare Monthly/Quarterly Monitoring Reports for the portfolio.
• Escalate with action plan for non compliances.
• Visit the units and submit inspection reports.
• Manage and address any escalations related to risk assessments

Job Requirements:

• Chartered Accountant/ MBA.
• Good analytical skills
• Good understanding of all the working capital products