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Credit Manager finance

5.00 to 10.00 Years   Surat   17 Jan, 2024
Job LocationSurat
EducationNot Mentioned
SalaryNot Disclosed
IndustryIT Services & Consulting
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

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 guidelinesand accordingly take decisions or recommend for approval to appropriate authority2 To conduct personal discussion with customer at their factory premises / Office to get clearidea / vision of the entrepreneur.3 To Analysis Financial strength of the applicant customer with the help of their AuditedFinancials , Interim Performance etc.4 To understand customer business/enterprise in depth and draw out the assessmentpeculiarities of the business or trade engaged in and also To assess the intention, businesscontinuity && credit behaviour and verify it through non-traditional income documents &&reference checks as well as from traditional income documents and various kinds of creditbureau checks.5 To verify legal and technical reports and identify the risks or critical points impacting theproposal. Need to have cordial relationship with Vendors && Should have good propertyinsight.6 To analyze the audited / certified financials as the case may be && need to understand theRatio Analysis in line of business / industry trends .7 To prepare Credit Approval Memo, To ensure complete adherence to laid down policy andprocedure / process, Liaise with sales team to proactively assess and resolve issues faced byclient.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 theoverall TAT.10 To prepare and maintain MIS covering all aspects process and proposal and circulate toauthorities on timely basis.11 To Read Reports Like Churn in Cash Credit / Overdraft Monthly Report , Interest Not FundedMonthly Report , Stock && Book Debts statement Not Submitted report , Limit Due but not

Keyskills :
financeworking capitalaccountingcredit control

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