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DM/AM- Credit- navi mumbai

Keywords / Skills : C, MIS

Posted: 13th Aug 2017

Software Engineer/ Programmer
Posted On
13th Aug 2017
Job Ref code
Job Description
Job Description
A. Reporting – To Risk & Credit Head.
B. Level – Manager/Sr. Manager based on experience & skill-sets
C. Location – Currently at Navi Mumbai Office (Vashi)
D. Work-ex – 5-6 years in Credit process related activities in Financial Services entity
E. Remuneration - Flexible based on pedigree, experience (relevant), maturity of the candidature
F. Educational Qualification – Minimum Graduate (full time)
G. 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 & retail 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
• Ability to motivate & handle a large team based across states
H. Broad role requirement
• Underwriting of Micro & Small Enterprise (MSE) loan, retail agri financing, agri project financing under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal / external rating, mitigants etc.
• Assist to develop credit appraisal memo, credit policies, manuals 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
Company Description
With a leading Finance company ,Comments
CTC- 5 L
Key Skill(s)

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Think People Solutions Private Limited
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