Job Description
Roles and Responsibilities
To provide sound, independent (unsolicited)creditadvice, recommendations and quality feedback onCommercial Vehicles / Construction Equipment (Infrastructure) / Dealer Financecreditproposals.
Handling all types of working capital facilities (Fund base and Non-fund based limit) Creditappraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes,creditchecks etc.
As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business.
To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of thecredit/ economic developments.
To monitor and managecreditportfolio and other risks on a proactive basis by having an in-depth knowledge on individualcredit-takers. Engage in discussions with the business to modify account strategy /creditrating, etc. as warranted. Manage and ensure timely renewal of accounts and enhancement of portfolio.
To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
To contribute in central projects and also interact with vendors and external agencies for providing support in digital business solution & IT teams to develop scalable reporting/decision support tools Maintenance of various MIS/ compliance related records and providing it to the authorities from time to time.
Excellent written and oral communication skills Chartered Accountant / MBA with an experience ofcreditunderwriting and also leadingcreditteam with an experience of at least 6-8 yrs Experience of team management Good analytical skills Good understanding of all the working capital products
To provide sound, independent (unsolicited)creditadvice, recommendations and quality feedback onCommercial Vehicles / Construction Equipment (Infrastructure) / Dealer Financecreditproposals.
Handling all types of working capital facilities (Fund base and Non-fund based limit) Creditappraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes,creditchecks etc.
As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business.
To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of thecredit/ economic developments.
To monitor and managecreditportfolio and other risks on a proactive basis by having an in-depth knowledge on individualcredit-takers. Engage in discussions with the business to modify account strategy /creditrating, etc. as warranted. Manage and ensure timely renewal of accounts and enhancement of portfolio.
To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
To contribute in central projects and also interact with vendors and external agencies for providing support in digital business solution & IT teams to develop scalable reporting/decision support tools Maintenance of various MIS/ compliance related records and providing it to the authorities from time to time.
Excellent written and oral communication skills Chartered Accountant / MBA with an experience ofcreditunderwriting and also leadingcreditteam with an experience of at least 6-8 yrs Experience of team management Good analytical skills Good understanding of all the working capital products
💡 Quick Summary
Seeking a career-building opportunity? The Branch Credit Manager SME With Leading NBFC position is now open for candidates interested in the Bank Jobs sector. This role in Gujarat offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
