Credit Manager -Working Capital

We are looking for a Credit Manager in Raipur who would be responsible for Processing of WC loan applications under surrogate & financials.

Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies.

He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution.

Role & responsibilities :

• Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.

• Risk Analysis:

Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.

• Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

• Credit Limit Determination:

Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.

• Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.

• Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.

• Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

Preferred candidate profile :

• CA/CMA from Banks/NBFC with LAP or Working Capital background
• Must have 2-6 years of work experience in Credit underwriting in WC or any asset domain
• Decent understanding of assessing audited financials, banking analysis and bureau reports knowhow
• Expertise in MS office and Loan application systems preferred.
• Should be competent in Sensing loan purpose, customer interaction, deliver in defined risk framework and uptime task completion etc.
• Should be based in Raipur