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