Prepare/amend the note / financial model with correct information (gathered via business team / public domain / other resources)
Prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility
Undertake regular interaction with collections / sales to track delinquencies Study delinquent cases with a view to derive learning and sharing the same with the team
Meet customers (retail & strategic) at regular intervals to understand various industry & markets
Pre approval and rating of all clients with exposure more than Rs 500L Regular Training sessions for Sales / Channel Partners / Filed sales staff on the various product policies & processes
Control & Monitoring of Post Disbursement Documents -Invoice, Insurance & RC by way of interaction with sales and customers
Managing portfolio to meet the requisite quality of documentation, post disbursal documents and delinquency levels
Working on projects/process improvements from time To time
Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry
Identify relevant and associated risk as aforementioned and to submit appropriate mitigate against each
Perform the financial analysis in detail attending to all major movements in P&L & Balance sheet while ascertaining /citing the precise reason of such movement
Prepare the Credit Note comprising of structure of the transaction and view of credit, detailing risk and mitigants
Detailed financial appraisal covering the business model, working capital cycle, profitability etc
Development of market intelligence by engaging with the people in other banks and FIs w.r.t. their policies, focus area, portfolio health
Identify the automation opportunities in existing processes, new product development
Quality of Credit Underwriting
Raise early warning signals for exit of stress accounts and take due measures for timely exit
Ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines
Through market knowledge of CE /CV market practices
