Area Credit Manager

Role & responsibilities

• Evaluate and assess Credit Appraisal Memorandums (CAMs) and financial models submitted by the Business Team.
• Prepare comprehensive credit notes and financial models using inputs from business teams, public-domain information and other relevant sources.
• Conduct detailed financial analysis, including P&L, Balance Sheet and cash-flow assessment, and identify reasons for major financial movements/variances.
• Assess business, promoter, financial, transaction and industry risks associated with Large/Mid Corporate borrowers.
• Structure credit transactions in compliance with internal credit policies and applicable regulatory frameworks.
• Identify key risks and recommend appropriate risk mitigants, sanction conditions and credit recommendations.
• Work extensively on Excel-based financial models, including large interconnected sheets and cash-flow models.
• Coordinate effectively with internal teams involved in the credit appraisal and assessment process.

Preferred candidate profile

• 5-7 years of relevant experience in credit appraisal/underwriting, preferably within Corporate Banking, NBFC or a similar lending environment.
• Must have hands-on underwriting experience in the Large/Mid Corporate segment, including assessment of high-ticket credit exposures.
• Strong experience in CAM/credit note preparation, financial statement analysis and credit risk assessment.
• Strong understanding of transaction structuring, risk identification and mitigation.
• Advanced working knowledge of Excel and financial modelling, particularly cash-flow-based models and interconnected financial sheets.
• Strong analytical ability to evaluate P&L and Balance Sheet movements in accordance with accounting standards.
• Good team coordination, attitude and willingness to learn and train others.