Any Graduate, CA Fresher’s required for the position Dealer Credit Analyst in Ford Credit India Private Limited at Chennai. Interested and eligible candidates who have strong skill sets on desired profile can apply online for the requirement with the link given below. Find the job description, eligibility criteria, exact venue and interview details for more information. Ford Credit India Private Limited Hiring Any Graduate, CA freshers 2015 for Dealer Credit Analyst at Chennai. Candidates who have completed Any Graduate, CA can apply for this job from Ford Credit India Private Limited.
Company Name: Ford Credit India Private Limited
Qualification: Any Graduate, CA
Job Post Name: Dealer Credit Analyst
Experience: 0 – 2 yrs
Job Location: Chennai
Total No of Vacancy: NA
Build, develop and manage funding relationships with senior dealer management (e.g. Managing Director/Finance Director/Operations Director) of low to medium risk/complexity dealers.
Carry out desk based and (as necessary) customer facing credit assessments of low to medium risk/complexity Dealers, reviewing financial and non-financial data at a company, sector and macro level.
Prepare and propose recommendations on credit proposals and credit reviews (in line with
current guidelines) for decision by all level Credit Committees, up to and including the US approval Committees – ensuring clear, concise, business focused assessment for fully informed
Credit decision making, including all necessary compliance checks (OFAC, KYC, etc.).
Ensure accurate capture and timely input of financial/non-financial information into Analytical
system for low to medium risk/complexity Dealers.
Maintain controls to ensure that credit reviews are completed and approved per Approved procedures and the Dealer Review Schedule.
Draft credit releases and distribute approved credit files and credit releases.
Structure, negotiate, and manage to completion any non-standard credit risk proposals outside of the standard Dealer Review Schedule timings.
Prepare and manage documentation requirements for all facility change situations, including introduction of new facilities or withdrawal or existing lines, and / or additional security requirements. This may require working with external advisors including lawyers / accountants and third party funders to establish impact on Ford Credits security position.
Ensure effective monitoring of Dealer portfolio performance and complete timely actions following the identification of any risk escalation trigger events.
Act as a key member of the Credit Committees, and attend, support and present (where applicable) to the higher level committees (e.g. on Credit Concern matters).
As appropriate, liaise and interface with the FIPL Locations in relation to (for example) new representations, Dealer exits and terminations, and general dealer issues.
Liaise closely with FIPL to develop joint approach to management of funding / risk issues on a Dealer by Dealer basis.
Identify and develop (in conjunction with the FIPL) profitable new business opportunities.
Work with Wholesale Operations team to resolve queries relating to the administration and usage of the dealers facilities or credit collection issues.
Ensure timely provision of monitoring and control information from Dealers within your portfolio (e.g. Daily Bank Balances, Audited Accounts, and Management Accounts, etc.) as per the approved Monitoring and Control Guidelines
Take/propose appropriate risk mitigation actions as appropriate (e.g. organisation and/or implementation of Cash Management or Operational Reviews and Independent Business Reviews).
Monitor and control credit risk in existing customer portfolio, including regular Portfolio Reviews and Sector / Location reviews, in order to proactively manage the portfolio, and to try to anticipate potential Dealer problems.
Attend Department review meetings, as appropriate, and provide timely input where required into the various Portfolio Reporting tasks (e.g. Large Exposure, Over-Limit / Over-Level, etc.).
Develop Dealer Credit Risk Management best practices with other DCAs across the Asia Pacific
Regions, focusing on improving processes and enhancing credit assessment.
Obtain and monitor outstandings / facility usage for Dealers in your portfolio and assist with others as required from time to time.
Provide secondary support to Business Support in the event of a Dealer Status.
Support and provide vacation cover to other Dealer Credit roles as required.
Ad-hoc work, as required, to enhance full cycle risk management of dealer and fleet portfolios.
As an operational department, the work load is dynamic – being driven by external Dealer requirements (e.g. line switches, changes in bank, mergers, etc.), manufacturer requirements, or via
FCIPL’s own Internal Processes (e.g. Annual / Interim / Portfolio Reviews).
The management of the Dealer portfolio involves direct liaison by the DCA with the Dealer, FIPL and other external parties whom have a relationship with the Dealer (e.g. their Bank, Lawyers, Accountants, etc.).
This role provides an opportunity to interact with all areas of FCIPL, as well as with Dealers and their other funders.
Additionally at an individual level it provides the DCA with the opportunity to be responsible for managing the Risk on their own portfolio of Dealers, as well as being involved, as appropriate, in larger transactions and projects managed within the Department.
Should be a Chartered Accountant
0-2 Years of experience.
Experience in Dealer Credit Analysis is preferred.
Strong customer focus and commitment to quality.
The ability to communicate effectively at all levels, both internally and externally.
The ability to present information confidently, on occasions to audiences at a senior level
To understand what the fair treatment of customers means and to ensure this is consistently incorporated into the role as appropriate.
The ability to analyse financial and other data and interpret this succinctly is a key part of the role.
An ability to quickly learn new knowledge and skills & to work independently to meet tight deadlines is important.
1. Aptitude Test
2. Technical and HR Interview
Document Required (Original and Photocopies):
1. SSC Marksheet
2. HSC/Diploma Marksheet
3. Graduation & Post Graduation all years’ mark sheets
4. Photo ID proof (Pan Card/ Passport / Driving License / College ID)
5. 2 photographs
Ford Credit India is a subsidiary of Ford Motor Credit Co. LLC, a global financing subsidiary of Ford Motor Company, headquartered at Dearborn, Michigan, USA
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