Position – Area Credit Manager – MEF/SFP loans
Reporting to – NCM/RCM
Specific Responsibilities –
- Underwriting of MEF & SFP (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 8-15 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: Senior ACM/RCM (MEF/SFP)
Job Location: Mumbai
