Senior Manager
Rewari, Haryana, India
Responsible for end-to-end credit processing including freshsanctions, renewals etc.• Underwriting credit proposals as per the laid down policies &procedure.• Conducting personal discussion with proposed borrowers toestablish Credit worthiness. Analyzing their business model,identifying strengths, weakness, risks, understanding therevenue models and the corporate structure of the borrowers.• Ensuring completion of credit/KYC documents and verificationtelephonic,field & collateral visits.• Preparing and Maintaining MIS on Credit requirements like -Sanction Limit, client Net worth etc.• Attending to audit observations and ensuring timely closure of thesame. Prepare Credit Appraisal Notes/ Sanction Memos/Processing Notes etc.• Recommending credit limits/ terms loans as per credit policy of theBank to the sanctioning authority.• Analyzing financials submitted by the firm like Balance Sheetanalyses, Ratio calculations, Net worth calculation etc.• Preparing process notes (annual/quarterly reviews), rating sheets,review formats, sanction letters, documentation & monitoring of thecredit portfolio.• Monitoring post-sanction loan compliance, ensuring adherence toregulatory norms and reducing delinquencies.• Analyzing financial statement, performance and trend analysis forassessing the credit worthiness of the proposed borrowers.• Conducting yearly Credit risk assessments of the existing borrowers.• Adhering to standard operating procedure & policies including compliancedocumentation.• Maintaining strong relationship with the borrowers.
