Other Specification:

• Presentation skills
• Credit proposal assessment and writing skills
• Updated on market information of related industry.
• Thorough knowledge on applicable central co-operative regulations
• Thorough knowledge on analyzing financial statements of the borrowing company
• Master/Bachelor degree with minimum of 2 years experience. (experience in same field will be advantage)
• Valid Driving License (2 wheeler).

Department: Credit Department

Responsibilities:

• Preliminary review of business plans and proposals, regulatory compliances, financial analysis, market analysis.
• Approvals should be obtained to establish new relationships.
• Site visits (project site, business site, fixed assets collateral site, land and building etc.) should be conducted.
• In depth assessment of business plans and proposals, regulatory compliances, financial analysis, credibility, market and industry analysis etc.
• Periodic business inspections/ collaterals and site visit reports should be prepared.
• Member should be coordinated for timely disbursement and settlement of sanction limits
• Timely interest recovery should be followed up. In case of default, necessary recovery actions should be initiated.
• Timely renewal of credit facility should be done as per credit policy guidelines of the co-operative.
• Monitoring and tracking any deferral documents with respect of the credit facility implementation should be done.
• Preparing credit relates reports, as applicable required to submit to higher authorities.

Source: Merojob

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