Credit Manager - Working Capital

Job description

Role & responsibilities:

Financial

• Excellent in accessing documentation & financials of Agri-Banking proposals. Close monitoring log in files from day beginning
• Own portfolio analysis, escalate to higher authority & also responsible for taking precaution step if there is any critical observation in portfolio behavior
• Maintain TAT as per the norms
• Recommending proposal to higher authority with merits, demerits & risk involvement after personal visit, getting case sanctioned and disbursed within prescribed turn-around time
• Preparation of CAM
• Maintaining Delinquency level at minimal level.

Non-Financial

• Excellent Financial Analytical Skills (financials & Ratios)
• Evolve underwriting norms customized to the local market needs and update the U/W bulletins
• Communicate with operation to resolve disbursal issue.
• Work closely with the S & D team & support on offering innovative product offerings
• Knowledge of legal and technical
• Vendor Management, Collaboration among various department
• Travelling for PD's as per requirement.

Compliance & Risk Responsibilities

• Industry analyses, Knowledge of applicable laws-income Tax, Company Act etc.
• Review and monitoring of Early warning accounts
• Support in Internal and external Audit
• PDD Management
• Audit query Resolution
• ESCROW Receivables management (Only for CF)
• NOC Management, Subsequent Disbursement, Project Monitoring (Only for CF)
• Maintaining confidentiality of information gathered from clients.

Maintains confidentiality of company's information - not to share with anybody out of office in any form (Verbal, written, mail or any other form)