Credit Manager/underwriter: Working Capital | Ca, Cma, Mba @ Oxyzo Financial

Job Description

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME.

Responsible for the Following

1. Taking care of cases when they move to underwriting after credit processing.
2. Quantitative & Qualitative Analysis of the case and Conduct PD.
3. Financial Analysis: credit worthiness of the client, past trends, net worth, etc.
4. Banking Analysis: who are the anchors, who are the suppliers, and tracking EMI repayment.
5. Statutory Analysis: check if the returns have been filed, GST has been filed, if any tax payable is there, check liquidity crunch, etc.
6. Discuss the issues that cropped up during the Quantitative Analysis and come to know the bigger picture.
7. Legal Analysis: check if any complaints have been filed against the client, etc.
8. Also, the checks are not limited to this. He/she will do everything to find out if it is safe to give money as an unsecured loan to the client.
9. Underwriting the cases / Customer based on the laid-out policy. Recommending / decision (Approve / Reject) the cases based on merit.
10. Including but not limited to working closely with the sales team / Channel partners / cross-sell team to support them in the right manner, which facilitates the growth of business and achievement of co-goals and targets.
11. Working closely with and coordinating with the operations team for the smooth disbursement of approved cases.
12. Portfolio analysis by mitigating the risk and then sanctioning the loan.
13. Suggesting/initiating policy changes based on portfolio analysis.

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Rs 0 - 50K PM Rs 50K - 1 LPA Rs 1.0 - 1.5 LPA Rs 1.5 - 2.0 LPA Rs 2.0 - 2.5 LPA Rs 2.5 - 3.0 LPA Rs 3.0 - 3.5 LPA Rs 3.5 - 4.0 LPA Rs 4.0 - 4.5 LPA Rs 4.5 - 5.0 LPA Rs 5 - 6 LPA Rs 6 - 7 LPA Rs 7 - 8 LPA Rs 8 - 9 LPA Rs 9 - 10 LPA Rs 10 - 12 LPA Rs 12 - 14 LPA Rs 14 - 16 LPA Rs 16 - 18 LPA Rs 18 - 20 LPA Rs 20 - 22 LPA Rs 22 - 24 LPA Rs 24 - 26 LPA Rs 26 - 28 LPA Rs 28 - 30 LPA Rs 30 - 32 LPA Rs 32 - 34 LPA Rs 34 - 36 LPA Rs 36 - 38 LPA Rs 38 - 40 LPA Rs 40 - 42 LPA Rs 42 - 44 LPA Rs 44 - 46 LPA Rs 46 - 48 LPA Rs 48 - 50 LPA Rs 50 - 75 LPA Rs 75 Lakh - 1C PA Rs 1 Crore+ PA

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Keyskills:   Working Capital Commercial Banking Credit Underwriting Underwriting SME Banking Large Corporates WC Structured Finance Credit Analysis Credit Appraisal Business Banking Mid Corporates Corporate Lending Term Loan Emerging Corporates Wholesale Banking Wholesale