Credit Appraisal Jobs

SME Relationship Manager Company: Talent Zone ConsultantJob Title: Senior SME Relationship Manager / SME Lending Relationship ManagerExperience: 8-10 YearsLocation: Bangalore / Mysore / ChennaiEmployment Type: Full-timeJob SummaryTalent Zone Consultant is looking for an experienced SME Relationship Manager with 8-10 years of experience in SME lending, business banking, NBFC, FinTech or financial services.The ideal candidate will be responsible for SME customer acquisition, credit assessment, loan sourcing, portfolio management and revenue growth. The role requires strong knowledge of working capital, business loans, term loans and secured/unsecured SME lending, along with the ability to build long-term relationships with SME clients.Current SME banking roles in Bangalore emphasize acquiring, growing and retaining profitable SME portfolios, structuring appropriate credit facilities and managing portfolio returns.Key ResponsibilitiesAcquire new SME/MSME customers through direct sourcing, referrals, channels and market outreach.Develop and maintain strong relationships with SME business owners, promoters and key decision-makers.Manage the complete lending lifecycle from lead generation to sanction and disbursement.Understand customer business models, financial requirements and working-capital needs.Conduct preliminary credit assessment and financial analysis of SME borrowers.Analyse financial statements, cash flows, banking transactions and repayment capacity.Prepare and coordinate credit proposals and loan documentation with Credit and Risk teams.Handle Working Capital Loans, Term Loans, Business Loans, LAP and other SME lending products.Coordinate with Credit, Operations, Legal, Risk and Collections teams for timely processing and disbursement.Manage and grow an existing SME lending portfolio while maintaining portfolio quality.Track customer repayment behaviour, exposure, delinquency and credit risk.Identify cross-sell and up-sell opportunities across lending, payments, cash management and other financial products.Achieve monthly/quarterly acquisition, disbursement, revenue and portfolio growth targets.Build relationships with DSAs, channel partners, brokers and referral networks.Monitor market trends, competitor offerings and emerging SME financing opportunities.Ensure compliance with internal policies, KYC requirements, credit guidelines and applicable regulations.Required SkillsCore Skills:SME Lending, MSME Lending, Business Banking, Credit Assessment, Credit Analysis, Loan Processing, Loan Origination, Customer Acquisition, Portfolio Management, Relationship Management, Business Development, Financial Analysis, Financial Statement Analysis, Working Capital Loans, Term Loans, Business Loans, LAP, Secured Lending, Unsecured Lending, Credit Appraisal, Credit Underwriting, Risk Assessment, Portfolio Growth, Revenue Growth, Cross Selling, Upselling, Channel Management, DSA ManagementAnalytical / Technology Skills:Financial Modelling, Credit Risk Analysis, Banking Analysis, Cash Flow Analysis, MS Excel, CRM, MIS Reporting, Portfolio Analytics, Business AnalyticsSoft Skills:Client Relationship Management, Stakeholder Management, Negotiation Skills, Communication Skills, Presentation Skills, Business Acumen, Market Development, Problem Solving, Target OrientationCandidate Profile8-10 years of experience in SME/MSME lending, business banking, NBFC, FinTech or financial services.Strong track record in SME customer acquisition and portfolio management.Hands-on experience in credit assessment and loan processing.Good understanding of financial statements, cash flow and borrower creditworthiness.Experience handling working capital and term lending products is preferred.Candidates with experience managing high-value SME portfolios will be preferred.Strong ability to acquire new customers while retaining and expanding existing relationships.Experience working with Credit, Risk, Operations and Collections teams.MBA/PGDM in Finance/Marketing or equivalent qualification preferred.

We are looking for a Credit Underwriter to join our team in Navi Mumbai. The ideal candidate will have 2 to 7 years of experience in credit assessment and analysis. This is a full-time role requiring presence in the office.Key Responsibilities:- Evaluate Credit Applications: Review loan applications and assess the creditworthiness of individuals or businesses to determine risk levels.- Analyze Financial Statements: Examine applicants' financial documents, including income statements and balance sheets, to gauge their financial health and repayment ability.- Assign Credit Scores: Use established credit scoring models to assign scores that reflect the risk associated with lending money to applicants.- Communicate Decisions: Clearly communicate loan approval or denial decisions to applicants, providing detailed explanations when necessary.- Maintain Documentation: Keep thorough records of all assessments and decisions made, ensuring compliance with legal and regulatory standards.- Collaborate with Teams: Work closely with sales and risk management teams to help streamline processes and enhance overall efficiency.Required Skills and Expectations:Candidates should have strong analytical skills to assess financial data accurately. Proficiency in credit analysis and knowledge of relevant financial regulations are essential. Effective communication skills are crucial for explaining decisions clearly to applicants. Attention to detail is important to ensure accurate evaluations and compliance with standards. The candidate must also have the ability to work independently and manage time effectively within a fast-paced environment. A degree in finance, accounting, or a related field is preferred.

We Are Hiring Field Sales Executive (Credit Card Sales) Company Name: SBI Work Location: Delhi NCR & Haryana Work Areas: Malls, Big Bazaar, Petrol Pumps, Metro Stations Mode: Face-to-Face Field Sales Job Role:* Credit card acquisition through field sales* Direct customer interaction & lead generation Eligibility:* Minimum education: 12th Pass* Male & Female candidates can apply* Good communication skills preferred Salary & Benefits:* CTC: 23,000 27,000 per month* Fixed Salary + Attractive Incentives Interested candidates can apply immediately.For smooth communication, please join the WhatsApp group using the link below: https://chat.whatsapp.com/BkMj1JsrYzwFo1p8gNbfJQThanks & Regards,Ravi ChawlaHR TeamLease 9992778993 Instagram:https://instagram.com/mr_and_mrs_chawla_?igshid=ZDdkNTZiNTM=

Key Responsibilities:Project TL and WC CMA Creation: Develop Term Loan (TL) and Working Capital (WC) Credit Monitoring Arrangements (CMA) data for loan syndication and financing.Financial Ratio Analysis: Conduct comprehensive financial ratio analysis to support decision-making in terms of loan evaluation and project feasibility.DPR Creation: Prepare Detailed Project Reports (DPR) for loan applications and syndication.TEV and LIE Report Preparation: Conduct thorough evaluations of project viability and submit Lenders Independent Engineer (LIE) and Techno-Economic Viability (TEV) reports to clients and financial institutions.Loan Syndication Support: Assist in managing relationships with banks, investors, and clients for financial due diligence and loan syndication.Cash Flow Forecasting: Prepare financial models including cash flow forecasting, balance sheet projections, and profit & loss analysis.Compliance & Advisory: Ensure all project financials adhere to current regulations and provide financial advisory support for critical decisions.Risk Assessment: Perform in-depth risk assessments and financial audits to mitigate potential risks associated with loan syndication and project financing.Client Interaction: Liaise with clients, stakeholders, and financial institutions to gather and verify relevant information for financial reporting and analysis.

?Opening for Branch Credit Manager Company : Veritas Finance Pvt LtdLocation : Hosur Role : Branch Credit ManagerExp. : Min 1 Year in Mortgage Loan & HLJoining. : 30 - 60 Days NoticeSalary. : Increment in Current CTC + Annual Bonus + Monthly Incentives. Native - Local surrounding upto 30 kms.

Graduate/MBA with Total experience 2 years and at least 6 Months relevant experience in Credit Underwriting for Salaried Personal Loan Product of Banks, NBFCs.

Job Title:-credit Analyst.qualification:-mba/post Graduate; Semi Qualified Ca/cwa/cfa.experience:- 1-3 Years in Credit Assessment.job Type:-full Time.shift:-day.job Location:-mumbai.salary:-commensurate with Industry Normsroles & Responsibilities:-evaluating the Financials of Listed and Unlisted Entities.ratio Analysis.peer Comparison.ability to Work in Teams, Help the Management in Maintaining the Mis, Ability to Multi Task.key Skills Required:-well Versed in English Language.proficient in Ms Office

Responsibilities:- Candidate would be responsible for appraising & assessing risks for loan under the consumer-focused Loan.- The incumbent will be responsible for underwriting personal loan proposal as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.- To conduct personal discussion with customers to establish Credit worthiness.- Interact with the client, gather requirements, financial statements and other inputs for performingquality Credit analysis and due diligence. (for renewal & new borrowers)- To prepare Credit Appraisal Memo (CAM).- Responsible for Credit Assessment.-To coordinate with sales to achieve targets and ensure TAT or SLAs are met.- Work closely with RM/Product partners in structuring Credit solutions and ensuring appropriateness of the products, and expediting approvals

1. Candidate must have worked on full analysis of deals of more than 20 crs. Loan/Debt syndication field.2. Credit Assessment of prospective clients for fund-based exposure like Working Capital, Overdraft/Cash credit/ Term Loan etc. and non-fund-based exposure like Letter of credit / Bank Guarantee etc.3. Carrying out financial statement analysis/ ratio analysis along with notes to accounts, tax forms, cash flow history and finding out overall creditworthiness of the client.4. Preparation of Information memorandum/Teaser and other supporting documents.Co-ordinating with the banker/client in order to ensure successful and timely disbursement of funds.5. Preparation of Detailed Project Report covering project analysis, location analysis, profitability analysis, Break-even analysis, SWOT analysis, Market analysis, Industry analysis and Peer analysis and forming conclusion about the project viability

Urgent Hiring for Credit ManagerWe Have an Urgent Opening for Banking IndustryPosition - Credit ManagerJob location - Mumbai(Kalyan)CTC- Up to 12LPAProduct - Prime LAPRole and responsibility :- Preparing Credit Approval Memo (CAM), KYC Analysis, Financial Analysis, Banking Analysis, CIBIL check and Conducting Personal Discussions with customers and evaluating their credit worthiness.- Follow up with Legal, Technical, FI and FCU vendor for WIP cases and discussion on resolution for same- Maintaining Property Papers MIS- Co-ordination with sales and CPA for maintaining the quality of login and raise discrepancies.- Maintaining/Reporting the branch activities on various parameters to seniors within TAT Sanction /Disbursement of files- Responsible for scrutinizing loan application for mandatory requirements as per KYC, Income documents, banking, Financial & property.- A good involvement in resolving audit queries raised by auditor's post loan process and in-process of residential mortgage securitization.

Role: Area Credit ManagerLocation:ChennaiInterview Mode:VirtualExperience:7-10 YearsJob Description:ResponsibilitiesResearch and evaluate clients creditworthinessCreate credit scoring models to predict risksApprove or reject loan requests, based on credibility and potential revenues and lossesCalculate and set interest ratesNegotiate loan terms with clientsMonitor paymentsMaintain records of loan applicationsFollow up with clients to manage debt settlements and loan renewalsEnsure all lending procedures comply with regulationsDevelop, review and update our companys credit policiesRequirements and skillsProven work experience as a Credit Manager, Credit Analyst or similar roleHands-on experience with accounting softwareSolid understanding of lending proceduresExcellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel)Negotiation skillsBSc in Accounting, Economics, Banking and Finance or relevant field

Candidate should have experience in Credit Underwriting,Home Loan , Mortgage loanNotice period_ 45 days maxQualification- MBA OR CA MUST

We are looking for an individual adept in credit and underwriting in Consumer Lending.This individual must be meticulous and well versed with the KYC norms for Consumer lending. Should have an eye for detail and be a quick learner. Must possesses good inter personal skills to be a team player. This individual must be customer centric and business oriented.

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.

Existing Experience 4 to 5 Years as Rm in Banking / Nbfc in Mumbai. Credit Appraisal Assessment & Writing Experience is Must descriptionrm to Originate Business Including Writing of Credit Notes coverage for Targeting Clients - Target Clients in Pan India Across all Regions & Sectors. target Market - all Clients that Has Turnover of More Than Inr 200 + Cr P.afinancing Products Includes Term Loan, Working Capital Limits, Equipment Loans, Agri Financing

Credit Manager Job DescriptionRoles and Responsibilities As a Credit Analyst, you will be working closely with the Credit Head and will be responsible to handle all credit risk functions. Analysing creditworthiness and credit risk of SME borrowers, including review of financial statements and cash flow analysis Performing Credit appraisals of loan applicants within the defined policy guidelines Assessing the quality of various SME loans and assisting in the underwriting and processing of SME credits Underwriting new and existing SME loans through analysis of borrowers alternate data, credit history, financial performance, current market trends, collateral, and feasibility Coordinating with Vendors and handling all the business and vendor queries Monitoring, analysing, and commenting daily or weekly credit risk indicators and the company's KPIs Assisting the company in enhancing the quality-of-service delivery relating to credit applications Participating in internal projects that improve credit process efficiency and effectiveness to assist in achieving key strategic objectives Identifying risks/mitigants and making recommendations to senior management regarding additional credit enhancements to mitigate credit riskRequired Candidate profile Experience in Credit Appraisal/Underwriting role or similar profile Exp. in Business Loan processing/management systems, Documentation processing,Handling KYC etc. Experience in SME business lending Should have a general knowledge of loan underwriting, documentation, banking, and financial statements analysis Possess Basic knowledge about financial statements/ITR/Banking. Should be able to use MS-Word, Excel Excellent Communication Skills - Should be able to communicate well in Telugu, English and Hindi. Strong analytical, interpersonal, and presentation skills

Credit Manager is responsible for managing a team that recovers unpaid monies owed to the organization. The debts may be from either business (commercial collection) or individuals (consumer collection). The credit function plays a vital role in the finance department to ensure that invoices are paid on time to assist the organization. This role often shares a number of responsibilities with the Accounts Receivable Manager.

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

ExternalInternalRole directly reports toArea ManagerCredit UnderwritingPreferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate1 5 years of relevant experience in Credit underwriting Retail AssetBanking products, services and operations (preferably in private sector,HL & LAP/SME)Deep experience & understanding of retail financial services acrossNBFCs, bankingCustomersVendorsInternal auditorsCredit BureausCredit Head for HFCRisk & Compliance teamCredit Analyst and OperationsLegal teamSales teamCollections teamKnowledge of local markets and trends in retail lendingUnderstanding of local business and micro economyAbility to work under tight deadlines and to prioritize conflicting andchanging prioritiesKeen understanding and focus on risk, controls, compliance andregulatory frameworkAbility to liaise with internal stakeholders and cross functional teamsStrong customer focus and management of stakeholder expectationsStrong analytical & communication skills (written & verbal)Should be willing to adapt to digital tools and processesResponsible for upholding the Piramal brand by preparing quality proof proposal documentdetailing the loan eligibility as underwriting/sanction procedure for approving/rejecting loanapplications procured by SalesBranch Underwriting1A/1B/1CInternal UseInternal Use----ConfidentialConfidential

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.

Position: Senior Relationship Manager Experience: 7+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is looking for an experienced Senior Relationship Manager for a leading BFSI organization in Bengaluru. The candidate will be responsible for managing and growing an existing client portfolio, acquiring new customers, increasing revenue and wallet share, and providing suitable banking/financial solutions.Key ResponsibilitiesManage and deepen relationships with existing corporate, business, HNI or affluent clients.Identify and acquire new-to-bank customers through market mapping, referrals and networking.Drive revenue, portfolio growth, customer acquisition and wallet-share targets.Understand client business/financial requirements and recommend appropriate banking and financial products.Cross-sell products such as loans, working-capital facilities, trade finance, cash management, insurance, investments and other banking solutions.Develop and execute client acquisition and relationship-growth strategies.Conduct regular client meetings, portfolio reviews and business discussions.Coordinate with Credit, Risk, Product, Operations and Compliance teams to ensure smooth delivery of solutions.Prepare business proposals and support credit appraisal/structuring wherever applicable.Monitor portfolio performance, customer satisfaction and potential business/risk issues.Maintain strong knowledge of market trends, competitor offerings and BFSI products.Ensure adherence to KYC, AML, RBI regulations, internal policies and responsible-sales practices.Maintain accurate customer records, pipeline reports and MIS.Meet and exceed individual and team business targets.Candidate Requirements7+ years of relevant experience in Relationship Management, Corporate Banking, Business Banking, Retail/Commercial Banking, Wealth Management, NBFC or Financial Services.Graduate degree required; MBA/CA preferred for corporate/business banking roles.Proven track record of client acquisition, portfolio growth and revenue generation.Strong understanding of banking products and financial solutions.Experience managing high-value/corporate client relationships preferred.Strong negotiation, presentation and stakeholder-management capabilities.Ability to independently manage targets, client portfolios and business development activities.