Area Credit Manager - Large Corporate Credit Appraisal

Area Credit Manager - Large Corporate - Credit Appraisal - Kolkata - Avani Signature - MM

Key Objective of the Job:

To handle responsibilities mapped to profile of Area Credit Manager.

• Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team
• To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources)
• Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework.
• Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction.
• Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation.

Major Deliverables:

• To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility.
• Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry.
• To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each.

Specialized job competencies:

• Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets.

Financial Analysis:

• Perform detailed financial analysis and attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement/ variance in accordance with the accounting standards.