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Keywords / Skills : "Credit Risk", "Credit Manager", "credit documentation", "Credit Appraisal", "Credit Underwriter", "Credit Officer", "Credit Analyst", Credit Control
3 - 6 years
Posted: 20th Mar 2017

Industry
Banking/ Financial Services
Function
Finance & Accounts
Role
Credit Control & Collections
Posted On
20th Mar 2017
Job Description
  • Skills/Specialization/Competency
  • Experience in Credit Risk Management of Banks/NBFC Loan Company/Asset Finance Company is must
    Well-versed with analysis of financials of MSE entities/Agri project financing in an environment where information opacity is very high
    Ability to relate/co-relate information, findings during undertaking credit analysis
    Familiar with early warning signals from credit risk perspectives and usage of relevant tools to identify/categorize customers for better & close monitoring based on the warning signals
    Familiar with various credit analysis & risk management tools

    Broad role requirement

    Underwriting of Micro & Small Enterprise (MSE) loan, agri project financing, Business Loan and Retail Loan products under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal / external rating, mitigants etc.
    Assist in formulating & implementing Risk Control & Credit Management processes/strategies
    Manage processing and disbursement of loans for the allocated portfolio
    Act as internal Process Auditor and reviewer for MSE/project advances
    Manage allocated NPA and Overdue portfolios
    Manage and monitor post sanction process of the allocated loan portfolio including documentation, ROC creation, Mortgage execution, legal vetting of documents and disbursements etc.
    At post approval stage checking of property documents, Legal & Valuation report
    Monthly/periodical monitoring and reporting of the overdue positions, recovery, utilization of limits, AML alerts etc.
    Assist in mapping business requirements & coordinating in developing & implementing processes in line with the present guidelines, lead and/or assist selected process initiatives
    Monitoring the overall functioning of processes pertaining to allocated portfolio, identifying improvement areas & implementing adequate measures to minimize credit risks
    MIS updating and sharing on daily basis for the entire underwriting team for all products
    Coordination with sales team of various region to resolve discrepancy
    Custodian of documents Interface with RBI, internal auditors and MIS preparation for all loan proposals getting generated
    Make necessary recording and monitor collateral maintenance.


About Company
A client of RiverForest Connection
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