AddressJob Purpose: To evaluate complete credit appraisal of SME-Business Enterprise proposals including credit rating of the unrated companies.
Reports to: National Credit Manager(SME)
Duties & Responsibilities:
Credit Assessment
- Perform detailed credit appraisal, field visit of the cases. Co-ordinate for credit risk assessment.
- Assessment of business model including assessment of promoters, risks and suggest mitigations within stipulated TAT
- CAM preparation and analysis of financial statements within desired TAT.
- Present the proposal to the approving authority through Approval channel.
- Manage team of ACMs and Credit Analysts and train them for upskilling.
Credit Rating/Monitoring- To evaluate the risks relating to industry, business, finance and management for the SME loan proposals
- To evaluate the risks relating to industry, business, finance and management for the SME loan proposals
- To effectively use the risk assessment to work out the credit risk score to be further translated to credit rating of the entity.
- To adhere to the various credit risk limits set as per the credit risk policy to maintain the portfolio risks at a manageable level.
- To monitor the SME portfolio in terms of the credit risk policy with review ratings and give feedback to Business teams
Important to know:
- Identify and assess all types of possible risks in SME proposals.
- Detailed credit appraisal to ensure aging within limits.
- Timely response of Credit appraisals
Decision Making Authority:
- Financial powers-revenue expenditure as per budget
- Staff powers-to select, recruit employees and appraise them
- Administration powers-grant leaves to employees.
Competencies:
- Sound Product Knowledge + understanding of finance, the market and the sector.
- Analytical & problem solving approach
- Good communication and networking skills
- Customer Focus is a must.
Qualifications:
- 8+ years of experience in the Regional / Area Credit Manager for an NBFC.
- Having worked in SME lending is a plus
