Credit Manager

Grackle Business Solutions Pvt.Ltd

Credit Manager Job Description

Roles and Responsibilities

As a Credit Analyst, you will be working closely with the Credit Head and will be responsible to handle all credit risk functions.

Analysing creditworthiness and credit risk of SME borrowers, including review of financial statements and cash flow analysis

Performing Credit appraisals of loan applicants within the defined policy guidelines

Assessing the quality of various SME loans and assisting in the underwriting and processing of SME credits

Underwriting new and existing SME loans through analysis of borrowers alternate data, credit history, financial performance, current market trends, collateral, and feasibility

Coordinating with Vendors and handling all the business and vendor queries

Monitoring, analysing, and commenting daily or weekly credit risk indicators and the company's KPIs

Assisting the company in enhancing the quality-of-service delivery relating to credit applications

Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives

Identifying risks/mitigants and making recommendations to senior management regarding additional credit enhancements to mitigate credit risk

Required Candidate profile

Experience in Credit Appraisal/Underwriting role or similar profile

Exp. in Business Loan processing/management systems, Documentation processing,

Handling KYC etc.

Experience in SME business lending

Should have a general knowledge of loan underwriting, documentation, banking, and financial statements analysis

Possess Basic knowledge about financial statements/ITR/Banking.

Should be able to use MS-Word, Excel

Excellent Communication Skills - Should be able to communicate well in Telugu, English and Hindi.

Strong analytical, interpersonal, and presentation skills

• Experience5 - 11 Years
• No. of Openings2
• EducationB.B.A, B.Com, B.Sc
• RoleCredit Manager
• Industry TypeBanking / Financial Services / Stock Broking
• GenderMale
• Job CountryIndia
• Job TypeWork from Office