Job description
Job Purpose
This position is open with Smartstream finance limited
Duties and Responsibilities
Qualification: CAExperience: Fresher -An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management.
-Assessing loan applications for credit appraisal which includes financial analysis to understand the solvency, liquidity position and credit worthiness of individual and corporate customers.
-Assess income and various obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
-Calculating eligibility basis portfolio as per BFL policy and doing risk check of customers.
-In dept knowledge of Capital Market and daily monitoring of stocks impacting BFL LAS exposure.
-Preparation of detailed Credit Approval Memo for high value cases and getting it approved from respective approving authorities basis BFL defined approval matrix.
-Adhering to all regulatory and statutory compliances & implementing operational risk controls related to LAS transactions ensuring fair sanctions to corporates and non-corporates and timely processing of cases in given TAT.
-Monitoring the portfolio behaviour of LAS Portfolio and identify the early sign of stress in the portfolio and highlight it to the reporting manager.
-Policy preparation/review /updation at regular intervals-Review and renewal of existing LAS Portfolio.
-Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
-Preparation of RPRs of the LAS portfolio as when required.
-Providing timely inputs to Business team, COE, Compliance team, Finance team, IFC Audit team, Internal Audit team, RBI Audit.
-RBI Reporting of SMA-2 and large exposure.
-Monthly preparation of Deck
Required Qualifications and Experience
Qualification: CAExperience: Fresher