Job
Description
Roles and Responsibilities
- To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Commercial Vehicles / Construction Equipment (Infrastructure) / Dealer Finance credit proposals.
- Handling all types of working capital facilities (Fund base and Non-fund based limit)
- Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc.
- As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries.
- Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business.
- To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments.
- To monitor and manage local credit portfolio and other risks on a proactive basis by having an in-depth knowledge on individual credit-takers. Engage in discussions with the business to modify account strategy / credit rating etc as warranted.
- Manage and ensure timely renewal of accounts and enhancement of portfolio.
- To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams.
- Maintenance of various MIS / compliance related records and providing it to the authorities from time to time.
Desired Candidate Profile
Experienced CA / CA Fresher
- Excellent written and oral communication skills
- Chartered Accountant
- Good analytical skills
Strong financial Analysis Skills
- Analytical skills
- Strong communication (Written and Oral)