Corporate Credit Manager
Team Authentic Group
Total years of experience :12 years, 9 Months
• Preparing credit proposals on behalf of corporate clients, both Information pre-processing and preparation of credit Memorandum.
• Review and preparation of corporate credit proposals following KYC and AML guidelines strictly.
• Evaluation of Bank Statements, Audited financials, Project cash flows to determine the eligibility of clients based on the prevailing guidelines of Bank/Financial Institutions.
• Preparing credit memo to the final decision makers capturing the essential data such as repayment capacity, debt exposure, past payment history, impact of the funding in the existing business, stress and strong points of the proposals etc.
• Verifying all documents related to the trade finance transaction for their accuracy and completeness.
• Involved in the preparation of quarter/midyear/annual business plans based on the financial data compiled through market surveys and analysis.
• Worked in various branches of the bank, dealing with day-to-day operations of the branch and Credit processing.
• Cross-examine all credit data and ensure everything adheres to bank policies and procedures to approve or deny clients’ applications.
• Successfully handled LC-backed bill discounting Portfolio of major corporates.
• Interacting with customers and fulfilling their needs.
• Identifying wastage points and suggesting improvements.
• Leading, training and motivating the workforce to achieve organizational objectives.
• Identifying and creating a network with prospective clients, generating business from the existing accounts.
• Ensuring the highest service standards, are maintained for all clients with minimum turn-around-time.
• Involved in planning for operational expense reduction, cost forecasting and control.
• Managing key quality management activities such as customer satisfaction, surveys & complaint management,
• Ensuring all customer requests are processed & resolutions provided within timelines.
• Research & handle customer feedback / competitive benchmarking activities and best practices to ensure that it is collated, analyzed and appropriately channelized.
• Ensuring the smooth running of the overall functioning of the branch performance, including management of day-to-day operations, capacity planning and utilization of resources
• Reported to the regional office regarding marketing trends relating to sales and developing programs and schemes to enhance sales flexibility to meet targeted requirements.
• Successfully developed and implemented various marketing schemes and sales targeted assessments programs.
• Established marketing objectives and strategies, integrating all advertising, point of scale (POS) and promotional plans
• Involved in the conversion of Financial Reports to the simplified form.
• Controlled physical assets, capital spending through appropriation request control and tracking physical inventory and asset record reconciliation, asset tagging and disposition control.
• Oversaw operations management in cost reduction/containment actions to meet budget objectives.
• Represented the finance department on the corporate task force that created/implemented new systems.