Credit Risk - SME & Transaction Banking (Maharashtra)

About the Role A credit qualified with expertise in supply chain finance and working capital lending, seeking to drive sound credit decisions through in-depth financial analysis, risk assessment, and proactive portfolio monitoring while maintaining high credit quality and regulatory compliance. Responsibilities Credit appraisals – Anchor proposals, Spoke proposals which will include Vendor Finance, Inventory Finance, Sales Bills discounting, Purchase bill discounting, Pre-shipment, TREDS, WC loans etc. Conduct historical financial analysis along with futuristic projections scenarios, Industry and Market trends, transaction analysis (i.e. structure issues, collateral, etc.), cash flow analysis/financial modelling, rating sheets that identify major trends, issues, identifying key risks, strengths and weaknesses of the client/transaction. Provide complete assessment and recommendations to sanctioning authority. Analysis of Financial statements (Profit & Loss Account, Balance sheet, Cash flow Statement. Ratio Analysis) Preparation and timely updating of Anchor Notes (New and Annual Reviews). Recommendations as to changes in Credit Policy, Credit Parameters, Internal Rating score card etc. Monitor customer performance through regular review of accounts, customer visits and financial statements. Initiate EWS as required for portfolio health. Initiate discussions with Risk / Business/ Product/ Compliance/ Operations/legal Team as deemed appropriate. Present / underwrite proposals to the relevant sanctioning authority. Ensure adherence to control systems to minimize risk of loss to the bank. Monitor and maintain credit quality to ensure minimal non-performing advances. Frequently interacting with the customers for case appraisals and ensure consistent delivery of high quality services through meetings, Site visits. Qualifications MBA/PGDM/CA/Any Post Graduation Senior Manager
- 6 to 8yrs, AVP
- 8 to 12yrs Experience in supply chain finance / regular working capital loans. Required Skills Ability to assess financial statements, market trends, and risk factors. Precision in analyzing data and preparing reports. Proficiency in software and tools used for risk assessment and financial analysis. Ability to convey complex information clearly to stakeholders. Apply on Kit Job: kitjob.in/job/4n9pqo