AddressCredit Manager
Shriram Finance is the country's biggest retail NBFC, offering credit solutions for commercial vehicles, two-wheeler loans, car loans, home loans, gold loans, personal and small business loans. We are part of the 50-year-old Shriram Group. The company has a network of 3,037+ branches and a workforce of more than 74,000. Shriram Finance has combined Assets under Management (AUM) worth 200,000 crores.
Position Available:
Currently, we have openings at Shriram Finance Limited. Selected candidates will be posted as Manager - Credit Underwriting.
JOB PROFILE:
- Assess credit worthiness of loan applicants by analysing financial statements, credit reports, and other relevant documents for Various Loans like Machinery/Construction Equipment/CV loan/Business & MSME Loan
- Responsible for challan discounting corporate loans/risk and business analysis
- Preparing CAM & handling construction equipment/earth moving equipment/logistics loans.
- Timely disbursement of loans by regulating and checking all disbursement documents.
- Need to Analyse Balance sheet, Various financial Ratios for loan Applicants
- To drive Viability of business /equipment /vehicles
- Conduct thorough risk analysis to determine the likelihood of repayment and mitigate potential losses.
- Stay updated on market trends and developments in the construction equipment/Finance industry.
- Perform detailed financial analysis to evaluate the financial health and stability of prospective borrowers.
- Monitor loan portfolio performance and proactively address emerging credit issues.
- Build and maintain strong relationships with customers, dealers, and industry stakeholders.
- Manage the entire credit application process, right from login to disbursement.
- Other day to day activities related to the credit appraisal and loans
Key Skills Required:
- Must have Excellent Communication and Analytical Skills.
- Should have good knowledge of Credit appraisal, Construction equipment Loans and Banking/NBFCs domain.
- Should have MIS knowledge.
