Sr Credit Manager

Job Summary

Job Description Credit Manager Supply Chain Ficing

Role Details

Business: Aditya Birla Capital

Unit: Aditya Birla Fice Limited

Location: Chennai

Role: Credit Manager

Department: Supply Chain Fice

Eligibility Criteria: Masters in Fice, 34 Years of Relevant Experience

Required Skills Competencies

• Responsible for analyzing the proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The incumbent is expected to ensure that the credit proposals are processed in line with the parameters as decided under the program.
• Also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations.
• Maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc. , coordination with sales team for faster decisions to improvise TATs of the overall sanction process.
• Cross functional coordination to enable timely approval of credit proposals
• Self updation on economic / sectoral changes in the economy
• Seamless coordination with multiple internal and external entities
• Review of anchor programs.
• To execute and monitor the status of key initiatives and portfolio monitoring MIS.
• The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation decision making skills, initiative target orientation market intelligence developed through a strong industry network.

Key Responsibilities

The key responsibilities include initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; coordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team for faster decisions; Assist in Anchor program reviews.

Underwriting and Recommending Quality Proposals

• Underwrite proposals according to established parameters and credit policies.
• Conduct a comprehensive analysis of Management Risk, Industry Risk, Business Risk, and Financial Risk associated with each proposal.
• Adhere strictly to credit policy guidelines to ensure proposal compliance.
• Identify and address strengths, weaknesses, and proper risk mitigants within each proposal.
• Recommend highquality proposals to ensure a strong portfolio with minimal NonPerforming Assets (NPAs).

Efficient Turnaround Time (TAT) for Proposal Validation

• Ensure prompt and efficient processing of all proposals.
• Maintain high standards for validation efficiency to support timely decisionmaking.

Renewal / Enhancement of Existing Facilities

• Review and ensure renewal proposals comply with the conditions stipulated at the time of the previous sanction.
• Ensure timely submission of renewal proposals to the Credit Committee.
• Oversee the timely renewal process to ensure continued service to the client.

Sales Support Capacity Building

• Respond promptly and effectively to all requests from the Sales team.
• Engage with customers to understand their business credentials, ensuring a smooth case progression and timely action.

Continuous Portfolio Monitoring and Audit Assistance

• Conduct regular reviews of borrower accounts to ensure ongoing monitoring of portfolio quality.
• Support the NCM Supply Chain Fice in completing a satisfactory audit of the portfolio under your responsibility.

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