Credit Analyst Job Vacancies in Delhi

Review loan requests Assess clients financial status Evaluate creditworthiness and risks Contact clients to gather financial data and documentation Calculate financial ratios (e.g. credit scores and interest rates) Maintain updated records of loan applications Follow up with clients about loan renewals Monitor progress of existing loans

About Us:Mahashakti Finance Ltd is a leading financial services provider committed to helping individuals and businesses achieve their financial objectives. We offer a range of financial products tailored to meet the unique needs of our customers. As a Credit Officer, you will play a vital role in connecting with potential customers, understanding their financial needs, and assisting them in achieving their financial goals.Key Responsibilities:Outreach and AssessmentMake outbound calls to potential customers to discuss our financial products and services.Conduct thorough needs assessments to understand customers' financial goals and recommend suitable financial products.Gather and record essential customer information required for credit evaluation and loan applications.Provide guidance and assistance to customers in completing loan applications accurately.Credit EvaluationAssess the creditworthiness of loan applicants by reviewing financial documents, credit reports, and other relevant information.Make informed decisions regarding loan approvals, taking into consideration risk tolerance and company policies.Strictly adhere to sanctions regulations and company policies to maintain regulatory compliance throughout the loan approval process.Customer RelationsCultivate and maintain strong relationships with clients, providing ongoing support and addressing any inquiries or concerns.Continuously monitor loan repayments, work with customers to ensure timely payments, and take appropriate actions for delinquent accounts.

Job Description for Officer Credit1. Ensure all DOVR files achieve status ITPD or ITSC within 4 hours of the file achieving DOVR status.2. Prepare a note sheet with notes reflecting all queries and pending documents. This note sheet is the support tool to call the customer and resolve pending issues3. NECESSARILY call the customer. We expect all customers to be called so that we acknowledge the receipt of his application and papers. Confirm pending documents, agree to next action for every document and query. There are instances when a customer is unable to take a call, in such cases send an email.4. Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries. All pendencys to be assigned for next action, date & time, the person who will perform the next action.5. Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD.6. Ensure all actions due by all concerned are taken, follow up done with the customer and SO, if required, new action date and time assigned. Wherever required due escalations to be done for non performance of action due7. It is expected that the Officer Credit will complete the file and move it to RHDFC stage in 3 working days of the file achieving DOVR status.8. 80% of the files submitted as RHDFC should not appear in File Requirements (FR).9. The rest 20% should be resolved within 2 working days of the FR being raised.10. All queries raised or pending documents identified by HDFC need to examined and in case not found genuine, revert to HDFC immediately so that the file does not reflect in FR for the wrong reasons.11. If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update and revert to HDFC. In case the query resolution requires submission of a document, try to secure the same on email preferably so as to save time.

The role will involve reviewing loan files for completeness and analyzing the credit worthinessof clients. Selected candidate will be required to prepare Loan Eligibility working sheets forunderstanding the credit worthiness of client. Key responsibilities will include: Analyzing the financial statements and Bank statements of clients. Reviewing the files as per credit policy of various banks. Checking the file for completeness of documents and communicating the deficiencies tothe concerned sourcing unit/ channel partner/ client. Sending the files to bank for processing and continuous follow-ups thereafter. Ensure timely Logins of files and follow-up for sanctions with Bankers. Completing loan disbursement documentation, coordinating with concerned sourcingunit/ channel partner/ client for completing disbursal formalities Follow up for disbursal with Banks.* We are entrepreneurs and we believe in taking risks. If you do not have the specified workexperience, but strongly believe that you are apt for the role, we will love to hear from you.Please feel free to convince us.

DP Calculation at banking premises itself. Checking whether stock statement is properly entered into the system by maker and approve the same. Well versed with banking terminology Studying Memos and entering the same in banking ERP Preparation of various MIS and send to bank official. Preparation of daily MIS

Interested candidate, kindly share your updated resume onRole: MANAGERExperience: 5 10 yearsQualification: BE+MBA / CAJob Location: DelhiPreferred Industries: Banks / NBFC / Rating Agencies, dealing with Power i.e., Renewable, Thermal / Infrastructure i.e., Road, Ports, Highways etc. / Power Projects Consulting etc.Candidate should have hands on experience/expertise on any of the following function: Credit Appraisal (Power/Infra) Project Monitoring (Power/Infra) Risk Management (Power/Infra) Debt SyndicationJOB ROLE: Develop a string of monitoring mechanism for asset managed by the Co. Monitor progress of projects on ground as well as financially. Interaction/liaison with borrower and various FIs/Banks. Restructuring of stressed assets of the Co. Ensure statutory and other compliances. Due diligence of debt proposals from entity, technical and financial perspective, financial modeling sensitivity analysis. Optimum project cost and Implementation schedule. Risk analysis & mitigation, Coordination with Risk team for obtaining risk report for proposals. Act as nodal point of the Co. with the borrower and Co-lenders till fist disbursement including monitor the project progress, attend consortium meetings. Coordination with Legal for finalization and execution of loan agreement.SKILLS & ATTRIBUTES Understanding of technical and commercial aspects of power sector/other infra sector. Understanding of critical financial issues in appraisal/due diligence/structuring of a product. Knowledge of finance viz, analysis of balance sheets, P&L accounts, cash flows, financial ratios, working capital, discounting techniques - IRR, NPVs, financial modeling.Knowledge in regulatory aspects and working experience in other sustainable infra sector like sewage/ water treatment, electric mobility etc. would be added advantage.

Industry - Banking SectorProfile - Credit Card ProcessShift - Branch Relationship ExecutiveQualification - Minimum 12th & Graduate With Good English Communication Skill.Salary - 18000/- to 22000/- In Hand + PF + Esic + Incentive ( Salary Depend On Interview )Experience - Minimum 1 Year In Credit Card RequiredGender - Male & Female Can ApplyLocation - East Delhi, South Delhi, North Delhi, Central Delhi, Ghaziabad, NoidaDuties & Responsibilities-----A credit card is a financial instrument issued by banks with a pre-set credit limit, helping you make cashless transactions. The card issuer determines the credit limit based on your credit score, credit history and your income.Note - Charges ApplyOnly Serious Candidate Apply

Dear Candidate, We have an Urgent Job Opening with a leading finance company for Regional Credit Head (SME ) Delhi. Kindly go through the detailed JD & If interested please revert with your updated resume.Job Profile Regional Credit HeadProduct - SMETeam & State Handling ProfileLocation - Delhi1) Job PurposeTo manage all activities pertaining to the sanction life cycle of all borrower accounts in the CFG business for all short and medium term products. The key responsibilities include thorough underwriting of credit proposals with the required due diligence; coordination with the sales team for resolution of risk concerns, maintaining Turn Around Time (TAT); interfacing with the Business team & Credit Committee for faster decisions; Assist Regional Credit Manager and Risk Head for business function, new product development. To undertake analysis of the credit proposal based on predetermined criteria and analysis of market information, current macroeconomic scenario, current portfolio concentration, etc2) Principal AccountabilitiesUnderwrite Credit Proposal - Selection - Based on internally defined criterion, analysis of market information, current macroeconomic scenario & portfolio concentration, etc Assessment - Management Risk, Industry Risk, Business Risk and Financial Risk Structuring to meet norms and generate internal comfort on lending mechanisms. Structure risk mitigants to ensure that the credit recommended is within the articulated credit risk appetite of the company; Compliance Regulatory, Credit Policy and product program Reference Checks - Banks / Other lenders / Trade / Competitors / suppliers / customers Visit meeting with promoter and visit of business premises Presentation - Capture the strength and weakness with identified risks and proposed mitigantsManage High Value Structured Deal - Meeting with promoter of borrower Understand the purpose of fund requirement Structuring the deal to fit within regulatory

Post - Sales Marketing , Credit Card, Banking Qualification - Minimum 12th Pass And GraduateSalary - 18000/- Per Month + PF + ESI+ Incentive PlanLocation - North Delhi, West Delhi, Central DelhiGender - Only MaleDuties & Responsibilities-----Bank of Baroda (BOB or BOB) is an Indian nationalized banking and financial services company headquartered in the city of Vadodara, India. It is the fourth largest national listed bank in India, with 132 million customers, a total business of US$218 billion, and a global presence of 100 overseas offices.Note - Charges ApplyMiss Radhika