Assistant Manager - Credit position is accountable for the credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses.

• Fair understanding of NBFC lending dynamics.
• Direct experience with credit risk portfolio analysis / modelling shall be preferred.
• Assisting the Managers in creating plans to accomplish company and department goals.
• Assisting managers in reviewing customers or potential customers’ files for creditworthiness.
• Credit Appraisals of loan application within defined guidelines and accordingly recommend for approval to higher authorities.
• Analyse and verify customer financial information.
• Due Diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
• Contract and Invoice review.
• To ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• To prepare  Credit Appraisal Memo (CAM).

• Familiarity with security documentation and legalities involved in credit management
• Good Interpersonal and Communication Skills
• Responsible for smooth flow of process relating to credit

Education

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