Credit Manager Team handling

Intellectual Capital HR Consulting Pvt. Ltd.; Jaipur; In loco; INR 1.200.000 - 2.400.000; Tempo pieno

Descrizione del lavoro

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for the role of Credit Manager in the SME department in Jaipur.

The candidate will prepare credit appraisal notes for SME clients, analyze solvency and liquidity, and assess repayment capacity. You will present proposals to sanctioning forums and secure approvals, while maintaining alignment with policy and business needs. The role requires interacting with approving authorities, providing independent risk views, and ensuring

Competenze

• Excellent written and oral communication skills.
• Chartered Accountant or MBA.
• Good analytical skills.
• Good understanding of all the working capital products.

Mansioni

• Prepare Credit Appraisal notes for SME.
• Assess solvency, liquidity and repayment capacity; prepare appraisal notes and credit checks.
• Present proposals to sanctioning forums and obtain approvals.
• Interface with approving authorities and provide independent risk views.

Conoscenze

Communication skills

Analytical skills

Team leadership

Formazione

Chartered Accountant

MBA

Descrizione del lavoro

Role & responsibilities

Role : Credit Manager

Department -SME

Reporting Relationships -Vice President Credit

Position Grade -Depends

Job Role:

• Preparation of Credit Appraisal notes forSME.
• Ticket Size Handled would be up to 1 to 100 CR.
• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks 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 the credit / 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:

• Excellent written and oral communication skills
• Chartered Accountant/ MBA.
• Good analytical skills
• Good understanding of all the working capital products