Prepare credit proposals to support credit committee decisions regarding the client s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing.
Roles & Responsibilities:
- Performing credit appraisal of NBFC & NBFC-MFI clients through analysing factors such as AUM growth, Portfolio quality & performance, Portfolio growth, Management quality, CAR, balance sheet analysis etc
- Preparation of credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the client s portfolio quality, overall capital adequacy, liquidity, management quality, credit rating etc of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally.
- Handling Early Warning Signal meetings with appropriate responses for each observation, ensuring overall portfolio hygiene
- Assisting Relationship Managers & Senior Relationship Managers on client s meetings, internal presentations, and MIS
- Loan disbursement & documentation function; liaison with legal, compliance, audit observations aspects of the proposals
- Visiting clients to improve business relationship with them.
- Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification.
- Centre & Branch visits for NBFC/MFIs, regularly interacting with clients, external rating analysts and maintaining call reports.
- Analysing quarterly financial performance, Receivable Audit and highlighting trends and deviations in collections & overall portfolio quality periodically
Educational Qualification:
- Graduation: Any Graduation
- Post-graduation: Any Post-graduation
- Professional Qualification/Certification: Chartered Accountant (CA)
