Credit Manager - Midmarket and NBFC Lending

Credit Manager - Midmarket & NBFC| New Delhi

Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio

• Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• Identify additional information requirements needed to properly assess risks of the transaction
• Understand and assess the customer's business model and its viability in the long run
• Review and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
• Considers alternative credit structures to mitigate risk where appropriate
• Recommend action to be taken on credit, identifies key risks and information requirements
• Ensure that credit facilities presented are properly graded
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements
• Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.
• Personally develop and maintain strong working relationships with Stakeholders
• Lead/ independently handle the business-critical projects.
• Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same
• Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders
• Assume ownership of the allocated work.
• Having good understanding of underwriting big-ticket cases in Mid Corporate & NBFC segments.
• Should have underwritten deals with minimum exposure of 200 crs.
• Knowledge and understanding towards structured deals, acquisition finance, project finance.
• Ability of comprehend and fine tune financial models in case of project finance deals

Qualifications: CA/ MBA Finance

Experience: 5 to 7 years

Experience Level

Mid Level