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Job Role: Accountable to handle the credit appraisals and analysis for the preparation of Credit Note to assess the credit worthiness of clients for sanctioning the loan.
Responsibilities:
Interpreting financial statements and data for analyzing past financial & business performance. Assessment of viability of potential borrowers. Investigating and understanding key business issues behind the numbers and providing clear, concise and timely analysis with recommendations and approvals.
Ensure high level of CAM content and quality is maintained in line with latest policy guidelines, update on market, industry etc.
Identifying the risk associated with the exposure taken on customer on a scale of 1-9 through the help of ram rating.
Involved in valuation, legal and technical analysis of securities offered.
Meeting clients and continuous interaction to understand business models, assessing the credit worthiness of clients, ensuring integrity and precision of data submitted.
Very close monitoring of cheque bounce trends and knowing channels and their sourcing pattern.
Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location.
Interact closely with other functions such as Sales/ Operations/ Collections/CPU/Policy/Product etc. in ensuring a smooth day to day functioning at the location.
Tracking deferrals/covenants (post disbursal documents) on a continuous basis and taking up matter with business for closure of the same.
CAMCPUram
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