Job Description

Credit Assessment and Approval:

• Analyze and assess creditworthiness of customers applying for supply chain finance and inventory funding.
• Review and evaluate financial statements, cash flows, bank statements, and market trends to determine customer risk profiles.
• Conduct due diligence, including business and industry risk analysis, to evaluate creditworthiness and recommend approval, rejection, or modifications to credit applications.

Portfolio Management:

• Manage and monitor an assigned credit portfolio to ensure performance and compliance with bank policies.
• Regularly review client financial performance, monitor credit limits, and assess inventory funding exposures.
• Identify potential problem loans early, propose solutions, and manage delinquent accounts.

Collaboration and Stakeholder Management:

• Work closely with the sales and relationship management teams to understand client requirements and provide solutions.
• Coordinate with risk, legal, and compliance teams to ensure adherence to regulatory and internal guidelines.
• Assist the Regional Credit Head in portfolio reviews, regulatory reporting, and strategic initiatives.

Credit Policy and Compliance:

• Ensure credit evaluations align with bank credit policies, industry standards, and risk appetite.
• Maintain accurate and up-to-date documentation, including financial statements, credit memos, and approval notes.
• Support audits, both internal and external, by providing documentation and insights on portfolio quality.

Product Knowledge and Market Insights:

• Stay updated on market trends, regulatory changes, and developments in supply chain finance and inventory funding.
• Leverage industry insights to adjust risk assessment models and refine credit decision-making criteria.

Team Development and Training:

• Provide guidance and support to junior credit analysts or team members, sharing knowledge on best practices and risk management.
• Conduct periodic training sessions on new credit assessment techniques, product knowledge, and regulatory changes.

Acura Solutions