Credit Manager _CM for SURAT @ Boyen Haddin

Job Description

1 To appraise or underwrite working capital facilities like Fund based facilities ( Cash Credit ,
Overdraft , WCDL,WCTL,TL ,FCTL, Export Packing Credit , Advance against Bills Receivable,
Purchase Bills discounting , Sales Bill Discounting , LCBD) && Non Fund based facilities (
LC,BG,LOU/BC, Bill Collection etc )   within defined RBI Guidelines / Internal policy guidelines 
and accordingly take decisions or recommend for approval to appropriate authority
2 To conduct personal discussion with customer at their factory premises / Office to get clear
idea / vision of the entrepreneur.
3 To Analysis Financial strength of the applicant customer with the help of their Audited
Financials , Interim Performance etc.
4 To understand customer business/enterprise in depth and draw out the assessment
peculiarities of the business or trade engaged in and also To assess the intention, business
continuity  && credit behaviour and verify it through non-traditional income documents &&
reference checks as well as from traditional income documents and various kinds of credit
bureau checks.
5 To verify legal and technical reports and identify the risks or critical points impacting the
proposal. Need to have cordial relationship with Vendors && Should have good property
insight.
6 To analyze the audited / certified financials as the case may be && need to understand the
Ratio Analysis in line of business / industry trends .
7 To prepare Credit Approval Memo, To ensure complete adherence to laid down policy and
procedure / process, Liaise with sales team to proactively assess and resolve issues faced by
client.
8. To Manage the entire credit application process right from origin till disbursement.
9. To Co-ordinate with Legal, Valuer and FI agency for processing the file && Managing the
overall TAT.
10 To prepare and maintain MIS covering all aspects process and proposal and circulate to
authorities on timely basis.
11 To Read Reports Like Churn in Cash Credit / Overdraft Monthly Report  , Interest Not Funded
Monthly Report , Stock && Book Debts statement Not Submitted report , Limit Due but not

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Keyskills:   working capital finance credit control taxation accounting