Area Credit Manager (EML)

Reporting to – RCM

Specific Responsibilities –

Underwriting of EML & SME (medical equipment/machinery funding, School funding) cases

Make optimal use of the Loan Origination System and Loan Management system

Maintain Credit TAT

Manage Credit Underwriting as per policy

Monitor Delinquency and NPA to budgeted levels for the product

Manage Credit Cost as per approved budgets

Give feedback to Credit Policy based on experience of underwriting

Data Slicing/ Analysis and publishing of the reports

PDD monitoring

Industry Analysis

Key Performance Indicators –

TAT

Portfolio Quality

Quality of Appraisal

Cost Management

Implementation of Processes

Internal – Sales, Credit Underwriting team, HR, Admin, IT

External – Customers, Agencies

Experience – Credit Underwriting Experience of minimum 5-6 years

Technical Competencies –

Positive, pro-business attitude

Excellent Analytical skills

Communication and Presentation skills

Product knowledge

Ability to understand asset type and its viability

Ability to read and understand legal and technical reports and valuations related to properties financed by the company

Personal Attributes –

Presentation Skills

Communication Skills

Analytical Skills

Sincere

Liasonsing skills

Formal Qualification – Chartered Accountant / MBA (Finance) Mandatory

What is mandatory & Desirable –

Good communication skills

Good Financial Analysis Skill

Knowledge of Computer Applications

Job Designation: Area Credit Manager (EML)

Job Location: Mumbai