Area credit manager- Large Corporate- Delhi & Kolkata

Job Description: Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager. - Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team - To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources) - Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework. - Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction. - Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation. Major Deliverables: - To prepare the credit note comprising of the detailed transaction structuring/ assessment with a focus on the assessment part of the sought credit facility. - Critically evaluate the transaction risk, business & Financial risk of the borrower as well as industry risk involved in any given industry. - To Identify relevant and associated risk as aforementioned and submit appropriate mitigate against each. Specialized job competencies: - Well versed with working on excel based financial modelling and working on large excel sheets comprising of cash flows analysis being derived/interlinked from other sheets. Financial Analysis: - Perform detailed financial analysis and attending to all major movements in P&L; & Balance sheet while ascertaining /citing the exact reason of such movement/ variance in accordance with the accounting standards. Desired Experience: - Preferably having relevant experience of min 5-7 years - At least few years of work experience in underwriting in Large/Mid corporate segment comprising of evaluating high ticket size exposures. Other desired attributes: Team coordination, Good Attitude and willingness to learn & impart trainings .