AM (Executive) - Credit | Scrabble

Posted on December 11, 2025

Job Description

<ul> <li style="text-align:justify">Appraisal of proposals, which include detailed analysis of the financial statements of the clients.  </li> </ul>   <ul> <li style="text-align:justify">Scrutiny of the sales ledger of the debtors offered for factoring and making conclusions there from. </li> <li style="text-align:justify">Verifying the transaction structure between the client and the debtor and their suitability to the factoring arrangement. </li> <li style="text-align:justify">Undertaking verification through third party sources, such as CIBIL, MCA, banks, etc.</li> <li style="text-align:justify">Undertake strengthening of the proposals originated by the marketing department by suggesting improvement in the transaction structure / and stipulate terms and covenants.</li> <li style="text-align:justify">Preparing the proposals/ amendments in a time bound manner (ensure TAT), which includes gathering of all relevant information from the client and debtor and identifying the issues and risks and addressing them. Presenting the proposal / amendments before the sanctioning authority for approval. </li> <li style="text-align:justify">Preparing sanction letters immediately after each sanction and ensuring relevant changes are undertaken in the system. </li> <li style="text-align:justify">Monitoring the compliance to the sanction terms by the client.</li> <li style="text-align:justify">Ensuring timely updation of information in the loan management system in sanctions / amendments. </li> <li style="text-align:justify">Attending to internal / external auditor/ CAG/ RBI queries and resolving them. </li> <li style="text-align:justify">Other credit administration activities such as, timely renewals / review / client rating approval/ preparation of board MIS.  </li> <li style="text-align:justify">Monthly / quarterly filing of data with CIBIL, etc.</li> <li style="text-align:justify">Providing credit information reports to other banks and financial institutions. Respond to branch / client queries.</li> <li style="text-align:justify">Contribute to amendments in the Credit Manual</li> <li style="text-align:justify">Contribute towards upgradation of existing loan management system and building upon of a loan origination system.</li> </ul>   Credit Administration Activities with respect to the transaction effected on Trade Receivables Discounting System. <ul> <li style="text-align:justify">Appraisal of proposals, which include detailed analysis of the financial statements of the clients.  </li> </ul>   <ul> <li style="text-align:justify">Scrutiny of the sales ledger of the debtors offered for factoring and making conclusions there from. </li> <li style="text-align:justify">Verifying the transaction structure between the client and the debtor and their suitability to the factoring arrangement. </li> <li style="text-align:justify">Undertaking verification through third party sources, such as CIBIL, MCA, banks, etc.</li> <li style="text-align:justify">Undertake strengthening of the proposals originated by the marketing department by suggesting improvement in the transaction structure / and stipulate terms and covenants.</li> <li style="text-align:justify">Preparing the proposals/ amendments in a time bound manner (ensure TAT), which includes gathering of all relevant information from the client and debtor and identifying the issues and risks and addressing them. Presenting the proposal / amendments before the sanctioning authority for approval. </li> <li style="text-align:justify">Preparing sanction letters immediately after each sanction and ensuring relevant changes are undertaken in the system. </li> <li style="text-align:justify">Monitoring the compliance to the sanction terms by the client.</li> <li style="text-align:justify">Ensuring timely updation of information in the loan management system in sanctions / amendments. </li> <li style="text-align:justify">Attending to internal / external auditor/ CAG/ RBI queries and resolving them. </li> <li style="text-align:justify">Other credit administration activities such as, timely renewals / review / client rating approval/ preparation of board MIS.  </li> <li style="text-align:justify">Monthly / quarterly filing of data with CIBIL, etc.</li> <li style="text-align:justify">Providing credit information reports to other banks and financial institutions. Respond to branch / client queries.</li> <li style="text-align:justify">Contribute to amendments in the Credit Manual</li> <li style="text-align:justify">Contribute towards upgradation of existing loan management system and building upon of a loan origination system.</li> </ul>   Credit Administration Activities with respect to the transaction effected on Trade Receivables Discounting System.

Job Description